Close in 10 Days. 90% LTC.
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. 620+ credit. Close in 5-10 days.
Check My Jacksonville Rate →The stock is pre-war stock in Riverside, Avondale and Springfield, post-war ranches across the largest city footprint in the country, and beach stock on the barrier islands. Historic bungalow rehab in Springfield and Murray Hill, and cosmetic ranch flips across Arlington and the Northside. Termite, moisture and roof age are standard.
Florida is judicial and slow to foreclose. Jacksonville is consolidated with Duval County, so the tax rate is uniform across a vast area — unlike most Florida metros. Windstorm insurance is lower than South Florida but flood mapping along the St. Johns and the coast matters. A large military tenant base around Mayport and NAS Jax produces reliable PCS turnover. Historic-district rules apply in Riverside, Avondale and Springfield.
Pre-war stock in Jacksonville means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Insurability at resale is the exit risk in Jacksonville. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Also see: Miami, FL →Orlando, FL →DSCR Loans in Jacksonville →Fort Myers, FL →Lakeland, FL →Palm Bay, FL →Pensacola, FL →Sarasota, FL →
Fix & Flip loans in Jacksonville qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Jacksonville metro including Orange Park, Nocatee, Ponte Vedra, Fleming Island, and Middleburg.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
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%+.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Jacksonville fix and flip closings happen in 5-10 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.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
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.
Termite, moisture and roof age are standard. Budget contingency for it.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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