Jacksonville is a large, spread-out market where one consolidated city covers almost all of Duval County. That means a wide range of flips, from historic Riverside bungalows to block ranches on the Westside, and buyers who move fast when a house is finished right.
In short: Our top pick for fix and flip financing in Jacksonville, FL is LendingStreet, because it funds up to 90% of cost and up to 100% of rehab on some programs, closes in as little as 10 days so you can compete on Duval County listings, and lets you refinance a finished house into a 30-year DSCR rental loan if you decide to keep it. Loans run from $150,000 to $5M+ on 1-8 unit investment properties, and they are short-term and interest-only. To see your numbers, get a quote with the form below or call (877) 298-1001.
LendingStreet is an investor lender, not a consumer mortgage shop. Every fix and flip loan is a business-purpose loan on a non-owner-occupied 1-8 unit property, in any of the 50 states or DC.
It fits Jacksonville flippers working older core neighborhoods, investors buying block homes in Arlington and the Westside, and buyers expanding into Clay and St. Johns counties.
Ready to run a deal? Share the address, purchase price, scope and ARV through the form below, or call (877) 298-1001.
Well-known fix and flip lenders include Dominion Financial, LendingOne, Lima One and RCN Capital. Compared scenario by scenario for investors in Jacksonville, FL, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Close to downtown, Riverside, Avondale, Murray Hill, Springfield and San Marco have older homes and strong buyer interest, but also higher purchase prices and more design expectations. Arlington, the Westside and the Northside offer mid-century concrete block homes at lower entry prices, with buyers who focus on value and condition.
Many flippers also work Orange Park and other parts of Clay County, and the newer subdivisions toward St. Johns County, where finished homes compete with new construction. Build ARV from sales in the same school zone and housing type, and watch how many new builds are listed nearby.
Concrete block ranches from the 1950s through the 1970s are durable, but they often need roofs, windows, cast-iron drain lines, electrical panels and updated HVAC. Older frame bungalows in Riverside and Springfield add wood rot, termite damage and foundation work to the list.
Springfield, Riverside-Avondale and other historic districts can require a certificate of appropriateness from the city's historic preservation staff before exterior work. Insurance drives resale too: Florida buyers and their insurers look closely at roof age, wind mitigation features and flood zones, especially near the St. Johns River and its creeks.
Most Jacksonville investors compare a local bank, a local hard money lender, a private individual and an investor lender like LendingStreet. The table below describes typical patterns; individual lenders vary.
| What flippers need | LendingStreet | Typical local bank | Typical local hard money lender | Private individual lender |
|---|---|---|---|---|
| Leverage on purchase and rehab | Up to 90% of cost and up to 100% of rehab on some programs | Often lower; rehab funding varies | Varies; rehab coverage differs | Varies by person |
| Closing speed | As little as 10 days | Often several weeks or more | Often fast | Can be fast; depends on the person |
| Loan size | $150,000 to $5M+ | Varies; may limit investor loans | Often smaller balances | Limited by one person's capital |
| Property types | 1-8 unit investment property | Varies | Varies | Varies |
| Long-term option | Refinance into a 30-year DSCR rental loan | Varies; may want tax returns | Usually short-term only | Usually short-term only |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional | Usually local |
This example is illustrative and not a quote. An investor buys a Murray Hill bungalow for $210,000 with a $65,000 rehab budget, for a total project cost of $275,000. The loan covers 85% of the purchase ($178,500) plus 100% of the rehab, for a total loan of $243,500, about 88.5% of total cost.
The investor brings $31,500 toward the purchase plus about $5,250 in buy-side closing costs. The estimated monthly interest-only payment is about $2,131, which assumes the full loan is out for the whole 6-month hold (rehab funds are usually drawn over time, so actual interest is often lower). Taxes, insurance and utilities add about $750 a month.
The house sells for $365,000. Assuming selling costs of about 6% of the price ($21,900) plus $2,555 in transfer tax (Florida deed doc stamps at $0.70 per $100, paid by the seller), the estimated profit before income taxes is about $43,011 on about $54,034 of cash invested.
| Item | Amount |
|---|---|
| Purchase price | $210,000 |
| Rehab budget | $65,000 |
| Total project cost | $275,000 |
| Loan on purchase (85%) | $178,500 |
| Rehab financed (100%) | $65,000 |
| Total loan | $243,500 |
| Loan as share of total cost | 88.5% |
| Estimated monthly interest-only payment | $2,131 |
| Estimated interest over 6 months | $12,784 |
| Taxes, insurance and utilities over 6 months | $4,500 |
| Buy-side closing costs (estimate) | $5,250 |
| Sale price (ARV) | $365,000 |
| Selling costs (about 6%) | $21,900 |
| Transfer tax on sale | $2,555 |
| Estimated profit before income taxes | $43,011 |
| Cash invested (estimate) | $54,034 |
Florida charges documentary stamp tax on deeds at $0.70 per $100 of price outside Miami-Dade, and sellers customarily pay it, so it shows up when you sell your flip. Financed purchases also carry doc stamps on the note and intangible tax on the mortgage, so ask for a full estimate of buy-side costs.
Insurance quotes can change a buyer's budget, and a new roof or wind mitigation credits can make a finished home easier to sell. Resale timing varies by neighborhood and season; well-priced homes in established areas tend to sell faster than homes competing with new construction.
Put the same short list of questions to every lender you talk to. The answers tell you more than a headline rate.
LendingStreet's answers: we fund up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, lend to LLCs as standard, size loans from $150,000 to $5M+ with more review on larger balances, and refinance finished rentals into DSCR loans at a 1.0x standard minimum, with seasoning that varies by program.
Selling is the usual exit, but keeping the house is a real option with LendingStreet. A DSCR refinance qualifies on rent rather than personal income, with a 620 minimum credit score, a 1.0x standard minimum DSCR and 30-year terms. Our guide at /bridge-to-dscr-loan-guide.html walks through it.
One lender for both exits keeps the paperwork simple. Call (877) 298-1001 to talk through your plan.
Our top pick is LendingStreet. We fund up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, and offer a DSCR refinance if you keep the house. Get a quote with the form below.
Yes. LendingStreet lends throughout the Jacksonville area and all of Florida, along with all 50 states and DC, on 1-8 unit investment properties.
Yes. Insurers in Florida look closely at roof age and condition, and that affects your resale buyer's insurance cost. Many flippers replace older roofs and add a wind mitigation report.
Beyond agent and title costs, sellers customarily pay documentary stamp tax on the deed at $0.70 per $100 of price outside Miami-Dade. Confirm the exact figures with your title company.
Yes, but exterior work in districts like Springfield and Riverside-Avondale can need city approval first. Factor that review into your timeline.
Fix and flip loans run from $150,000 to $5M+, up to 90% of cost and up to 100% of rehab on some programs. Larger balances get more review and usually a full valuation.
In as little as 10 days with a complete file. Have the contract, scope, budget and entity documents ready, then call (877) 298-1001.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.