Jacksonville Fix & Flip Loan Requirements: What Lenders Want
Jacksonville is one of Florida’s most active and affordable markets for real estate investors. Whether you’re flipping in Riverside, Springfield, or Southside, understanding what hard money lenders expect can help you get funded fast—and avoid costly delays.
What Lenders Prioritize
Hard money lenders focus on the deal, not your personal financials. They want to know:
- Is the property a good investment?
- Can you execute the renovation plan?
- Do you have a clear exit strategy?
If the numbers work, your experience and credit score matter less.
What You’ll Need to Apply
Here’s what most Jacksonville lenders require:
- Purchase contract
- Scope of work (with budget)
- ARV comps
- LLC docs (if applicable)
- Recent bank statement
- ID and contact info
No tax returns. No W-2s. Just a strong deal and a plan.
Property Types That Qualify
Hard money loans typically cover:
- Single-family homes
- Townhouses
- Small multi-family (2–4 units)
- Auction and REO properties
The property must be non-owner occupied and have clear value-add potential.
First-Time Flippers Welcome
You don’t need a long track record. First-time investors can qualify if they show:
- A realistic renovation timeline
- Conservative ARV estimates
- A solid resale or refinance strategy
HardMoneyMan.com LLC works with new and seasoned investors across Jacksonville and Northeast Florida.
Internal Resources
Explore our Florida Lending Hub for statewide coverage.
Visit our Orlando Lending Page for metro-specific funding.
Check out our Tampa, Miami, and Jacksonville pages for fast closings and rehab draws.