Hard Money Loans in St. Johns County Florida
Florida Fix and Flip Loans provides fast, flexible hard money loans to real estate investors in St. Johns County, Florida. Whether you’re flipping a distressed home, financing a rental portfolio, or acquiring property fast, our hard money programs offer simplified underwriting and quick closings—no income docs required.
Hard Money Loan Program
Our hard money loans are asset-based and designed for speed. We fund properties that banks avoid, including distressed, auctioned, or partially renovated homes. Perfect for investors, flippers, and contractors who need capital without delays.
Program Highlights:
– Up to 90% purchase price
– 100% rehab funding available
– Interest-only payments
– Flexible 6–18 month terms
– Fast draw release for renovations
Hard Money vs. Traditional Bank Loans
Banks move slow and ask for years of tax returns, pay stubs, and credit documentation. We don’t. Our hard money loans are tailored to the deal, not the borrower’s paperwork.
How to Qualify
We qualify borrowers based on asset value, after-repair value (ARV), and a clear exit strategy—not tax returns or W-2s. Experience helps, but we also work with first-time investors and flippers.
Property Types Eligible
– Single-family homes
– Duplexes, triplexes, and fourplexes
– Small multifamily buildings
– Condos and townhomes
– Distressed or value-add real estate
Fast Closings & Flexible Terms
We close loans in as little as 7–10 business days. Our local Florida underwriting team and draw inspectors understand the pace of investment deals and the urgency behind auction closings, delayed settlements, or renovation schedules.
Trusted Florida Lending Experts
Florida Fix and Flip Loans has funded over 1,000 projects throughout Florida, including deals in Jacksonville, Orlando, Miami, Tampa, Fort Lauderdale, and Tallahassee. We understand hurricane insurance, Florida building codes, permitting risks, and investor zip codes in St. Johns County and beyond.
Hard money advantages
Designed for investors and contractors
Close in days (7 - 10 days)
Rehab-friendly terms
Flexible loan structures
No income verification required
Common Project Scenarios and Local Considerations
Our loans often fund major rehabs, auction purchases, delayed closings, or ground-up builds. We work with local inspectors and title professionals who understand St. Johns County processes, city permitting, and rehab risk factors near Florida’s coastal zones.
Ready to Fund Your Next Project?
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