Hard Money Loans in Walton County Florida
Florida Fix and Flip Loans provides fast and flexible hard money loans to real estate investors in Walton County, Florida. Whether you’re flipping houses in Santa Rosa Beach or renovating properties in Freeport, our asset-based lending solutions help you close quickly—without traditional bank delays or income verification requirements.
Hard Money Loan Program
Our hard money loans are built for investors seeking quick capital for acquisitions, rehabs, or bridge financing. With no tax returns or strict credit requirements, we focus on the property value and your exit strategy.
Program Highlights:
- Loan amounts: $100K to $5M
- Up to 90% Loan-to-Cost (LTC)
- Up to 70% After Repair Value (ARV)
- 6–18 month interest-only terms
- Quick draw releases for rehab work
How to Qualify
You can qualify for a Walton County hard money loan if you:
- Submit a purchase contract and renovation budget
- Provide a basic scope of work and contractor estimate
- Show a feasible exit strategy (sale, refinance, or rental)
- Have prior investment experience (preferred but not required)
Property Types Eligible
- Single-family rentals
- Fix and flip properties
- Duplexes and triplexes
- Small multifamily units (under 20 doors)
- Coastal or distressed properties
Fast Closings & Flexible Terms
With boots on the ground and local title partners, we close deals in 7–10 business days. We work with Florida-based draw inspectors to release rehab funds on schedule so your project stays on track.
Local Expertise Across Walton County and Beyond
Florida Fix and Flip Loans has funded over 1,000 real estate deals statewide. We understand Florida’s unique coastal permitting processes, hurricane-related insurance risks, and the fast-moving investor market from Destin to Santa Rosa Beach. Trusted in communities from Miami to Jacksonville.
Why Private Lending Beats the Banks
Easier approval for complex or distressed properties
Close in days (7 - 10 days)
Rehab draws and interest-only payments
Flexible credit and DTI guidelines
No tax returns or income verification
Licensed, Transparent, Florida-Based.
We’re registered Florida private lenders with licensed loan officers. We prioritize transparency, privacy (CCPA/GDPR compliant), and fast service backed by trusted local relationships.
Start Your Walton County Investment Now
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals