Hard Money Loans in Bay County Florida
Loan Program Overview
Florida Fix and Flip Loans provides fast, flexible hard money loans for real estate investors in Bay County. Whether you’re flipping homes, purchasing distressed property, or need short-term funding fast, our asset-based approach lets you qualify based on the value of the property—not your income or credit.
How to Qualify
– Submit your property address, purchase price, and rehab budget
– Provide an estimated ARV (After Repair Value)
– We do not require income documentation or credit reports
– Approval is based on the equity and potential of your deal
Property Types Eligible
-Single-family homes
– Condos and townhouses
– Duplexes, triplexes, and fourplexes
– Small multifamily properties
– Auctioned or distressed real estate
Fast Closings & Flexible Terms
We offer closings in as little as 5–10 business days. Our team supports your draw schedule to keep rehab work on track with flexible, investor-focused funding that moves at your speed.
Local Lending Expertise in Bay County
Our lending team knows Bay County real estate and zoning codes, from Panama City to Lynn Haven and Callaway. We’re experienced in coastal property risks, Florida permitting, and hurricane-prone areas.
Why Choose Private Lending Over Banks?
Ideal for unique or distressed property opportunities
Close in days (7 - 10 days)
Designed for investment and transitional financing
Local knowledge of Florida markets and permitting
No W-2s, income documents
Get Started Today
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