Fix-and-Flip Financing Programs
Our fix-and-flip loans combine acquisition and renovation funding in a single facility — no separate closing for the construction loan, no administrative friction between purchase and renovation draw access. You close on the property, renovation funds are held in escrow, and draws release within 24-48 hours of inspection approval as work progresses. Loan terms run 6-18 months with extension options.
For experienced flippers, we offer up to 90% loan-to-cost — meaning you bring roughly 10% plus closing costs to the table, preserving working capital for concurrent projects. We structure interest-only payments during renovation so monthly obligations don't compete with construction cash flow. No prepayment penalties — as soon as you sell, you pay off and your profit is yours.
Interest rates reflect the short-term, higher-leverage nature of fix-and-flip lending. The correct comparison isn't a 30-year conventional mortgage — it's the cost of missing a good deal, running a failed flip due to undercapitalization, or losing your best contractor relationship because you couldn't draw fast enough to keep them on-site.
- Up to 90% loan-to-cost for experienced flippers with track records
- 100% of renovation costs funded through draw escrow system
- Interest-only payments with no prepayment penalties
Palm Beach County Flip Market Dynamics
Palm Beach County's flip market has several distinct tiers, each with its own acquisition channels, renovation scope, and buyer profile. Understanding which tier you're operating in determines the deal criteria, renovation scope, and ARV assumptions that drive profitability.
Workforce housing flips — Greenacres, Royal Palm Beach, Lake Park, Lake Clarke Shores — target first-time buyer and FHA/VA buyer demographics. These projects require renovation to meet lender habitability and appraisal standards, clean functional systems, and contemporary cosmetic finishes that photograph well. ARVs typically run $250K-$450K; renovation budgets $40K-$120K. Margins are thinner in percentage terms but deal volume is higher.
Mid-market historic and near-coast flips — West Palm Beach (Flamingo Park, El Cid, Northwood), Lake Worth Beach, Lantana, Boynton Beach — target buyers who value neighborhood character and walkability alongside updated finishes. These markets reward sensitive restoration that preserves architectural character while modernizing interiors. ARVs run $450K-$900K; renovation budgets $80K-$250K.
Premium and waterfront flips — North Palm Beach, Singer Island, Jupiter, Admirals Cove, Tequesta — target equity-rich buyers, often relocating from the Northeast. These buyers expect high-end finishes, smart home technology, and outdoor living spaces appropriate for the Florida lifestyle. ARVs run $1M-$4M+; renovation budgets $250K-$1M+.
We finance all tiers. Our underwriting reflects submarket-specific ARV norms for each.
- Workforce housing flips in Greenacres, Royal Palm Beach, Lake Park ($250K-$450K ARV)
- Historic mid-market flips in Flamingo Park, El Cid, Northwood ($450K-$900K ARV)
- Premium and waterfront flips in North Palm Beach, Jupiter, Singer Island ($1M-$4M+ ARV)
Renovation Draw Management and Seasonal Considerations
Our draw management system processes inspection-based disbursements within 24-48 hours of completed work verification. We use a licensed inspector network familiar with Palm Beach County municipal code requirements across all jurisdictions — the Town of Palm Beach, West Palm Beach, Boynton Beach, Delray Beach, and unincorporated county all have distinct inspection processes.
Hurricane season (June 1 - November 30) creates real scheduling considerations for exterior renovation work — roofing, stucco, exterior paint, and landscaping are best completed in the December-June dry season window. We factor this into loan term structure and renovation timeline planning. Flippers who acquire in fall, renovate through winter, and list in spring capture the best combination of buyer demand and construction weather. We structure our loan terms to support this cycle.
Palm Beach County's buyer profile peaks seasonally — seasonal residents from the Northeast arrive October-December and are most active as buyers January-April. Flips completing renovations in February and listing in March hit the market at peak buyer demand. We design loan terms with this seasonal absorption dynamic in mind.
- 24-48 hour draw processing upon inspection approval
- Inspector network covers all Palm Beach County municipalities
- Hurricane-season renovation scheduling factored into loan term structure
- Loan terms aligned with winter peak buyer season for optimal flip timing