Jacksonville real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 7-10 days.
Check My Jacksonville Rate →Jacksonville is the largest city by land area in the continental US with the most affordable median prices in Florida. Naval Station Mayport, NAS Jacksonville, the port, and a growing finance sector (Bank of America, Fidelity, Wells Fargo) anchor the economy. Better cash flow than South Florida metros without sacrificing population growth.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Jacksonville metro including Orange Park, Nocatee, Ponte Vedra, Fleming Island, and Middleburg.
Accurate ARV is critical. Jacksonville submarkets like Riverside have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Jacksonville rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Jacksonville — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Jacksonville averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Jacksonville fix and flip closings happen in 7-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Jacksonville range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Jacksonville fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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