Fix and Flip Financing in Orlando: Your Guide to Fast Capital

The Essentials of Fix and Flip Financing in Orlando

Fix and flip financing in Orlando is a specialized short-term lending solution designed for real estate investors to purchase, renovate, and sell distressed properties. Unlike traditional mortgages, these loans provide up to 90% leverage on purchase costs and 100% of renovation budgets, with closings as fast as 7 days. This allows Orlando homebuyers and investors to compete with cash buyers in high-demand neighborhoods like Winter Park, College Park, and the Hourglass District.

How Orlando Fix and Flip Loans Outperform Banks

The real estate market in Central Florida moves at a breakneck pace. When you spot a distressed property with high ROI potential, you don't have 45 days to wait for a bank committee. Traditional home loans in Orlando are rarely an option for major renovations because they require the property to be in "move-in ready" condition.

Our fix and flip programs—often referred to as hard money loans in Orlando—bridge the gap by focusing on the property's potential rather than just its current state.

What Sets Our Fix and Flip Program Apart?

Speed & Professionalism

We issue decisions and term sheets in hours. Because these are business-purpose bridge loans, we bypass typical TRID disclosures, allowing for an aggressive closing timeline that secures your deal against competing offers.

High Leverage for Florida Investors

Scaling your business requires liquidity. Our program maximizes your cash on hand:

• Purchase: Fund up to 90% of the acquisition.
• Renovation: Fund up to 100% of the rehab costs via the draw process.
• Payments: Interest-only monthly payments to keep carrying costs low.

Qualifying for Financing in the Orlando Market

Whether you are a first-time flipper near UCF or a seasoned pro in Lake Nona, we have options. We don't require 10+ previous exits to get you funded. We accept minimum FICO scores as low as 660 and focus primarily on the After-Repair Value (ARV) of the project.

Understanding the Construction Draw Process

To ensure your project stays on budget, funds are released in stages:

1. Milestones: Construction funds are held in escrow.
2. Requests: Complete a stage (like plumbing or electrical) and submit a Draw Request.
3. Verification: A quick site inspection confirms the work.
4. Reimbursement: Capital is released so you can move to the next phase.

Eligible Property Types

We finance non-owner occupied investment properties including:

• Single-Family Homes (SFR)
• 2-4 Unit Multi-Family Properties
• Condos & Townhomes (Investor-owned)

FAQ: Fix and Flip Financing in Orlando

Is a fix and flip loan the same as a hard money loan?

Essentially, yes. Both are short-term, asset-based loans used for renovation projects. Our program offers the speed of hard money with the professional rates of a top-tier mortgage broker.

What is the maximum loan amount available?

While we cap individual loans based on 70% of the ARV, we can handle projects ranging from $100k to over $2M for multi-unit properties.

Can I refinance into a long-term rental loan?

Absolutely. Many of our clients use our fix and flip capital to renovate, then we help them refinance into a 30-year fixed DSCR loan once the property is leased.

Why Work With Beaufort Lending

Beaufort Lending, led by Benji Gecy (Top 1% Mortgage Broker Nationally), is the premier choice for fix and flip financing in Orlando. We offer rates that are consistently 0.5% better than national averages and the speed required to win in the Central Florida market. With over 150 5-star reviews, we are the trusted partner for serious real estate investors.

Secure Your Next Orlando Deal

Other Resources You May Find Helpful

• DSCR Investment Loans
• Bank Statement Program
• DSCR Calculator