Loan Program

Fix & Flip Loans

Short-term investor loans for property acquisition, renovation, and resale

Fix and flip loans provide short-term financing — typically 6 to 18 months — for investors purchasing distressed or undervalued properties, renovating them, and selling at a profit. South Florida's active real estate market makes it one of the top regions in the country for fix-and-flip investments.

Who This Is For

Real estate investors purchasing distressed or below-market-value properties for renovation and resale

Experienced flippers scaling their portfolio who need fast, reliable capital for multiple projects

First-time investors with a clear renovation plan, contractor bids, and a realistic ARV estimate

Investors targeting the South Florida market — Miami-Dade, Broward, and Palm Beach counties

Requirements

Minimum Credit Score660 (varies by lender and experience)

Down Payment10-20% of purchase price

Loan Term6-18 months (interest-only)

Loan-to-ValueUp to 90% of purchase + 100% of rehab costs

After-Repair Value (ARV)Lender typically caps at 70-75% of ARV

ExperiencePreferred but not always required (first-timers accepted)

Exit StrategySale or refinance within loan term

How Sofla Helps

Our AI qualification engine handles the heavy lifting so you can focus on closing.

AI qualification assesses investor experience, project feasibility, and ARV estimates to determine fix-and-flip eligibility

Document checklist includes renovation budget, contractor bids, purchase contract, and proof of funds for down payment and reserves

Matches investors with lenders who specialize in short-term bridge and fix-and-flip financing with fast closings

Red flag detection identifies unrealistic ARV estimates, insufficient reserves, or missing exit strategy details before submission

Get Qualified for Fix & Flip Loans

A few questions. A real score. The exact document list for your loan type.

Start Qualification