Business-purpose hard money financing · Miami & South Florida
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Miami house undergoing renovation with fix and flip hard money financing

Acquisition and renovation capital

Fix and Flip Hard Money Loans in Miami, Florida

Acquisition and rehab financing for eligible investor renovation projects with supported costs, ARV and exit.

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Direct answer

How this hard money option works

A fix-and-flip hard money loan may finance an eligible purchase and approved renovation budget for a business-purpose property intended for resale or refinance. Lenders examine basis, scope, equity, experience, liquidity, ARV, draws and exit margin.

Approved rehab funds are commonly held back and released after documented progress.

ARV does not replace a detailed scope, realistic timeline and carrying-cost budget.

First-time investors may have options but can need more equity, reserves or contractor support.

Potential fit

Scenarios this option may serve

  • Single-family and eligible two-to-four-unit flips
  • Light or substantial renovation
  • Defined resale plans
  • Fix-to-rent with supported refinance

Underwriting focus

Factors that shape eligibility

  • Purchase, rehab and ARV
  • Experience, credit, liquidity and equity
  • Contractor, permits and draws
  • Holding costs and contingency

Prepare early

Documents commonly requested

The final checklist depends on the borrower, property, transaction and lender. A complete first package reduces avoidable follow-up.

  1. 01Contract and title
  2. 02Itemized scope and bids
  3. 03Photos and ARV comparables
  4. 04Experience and liquidity
  5. 05Timeline and exit sensitivity

Transaction path

What happens next

  1. 01

    Share the deal

    Provide the address, purchase or payoff, requested loan, condition, budget, timing and planned exit.

  2. 02

    Review the collateral

    We organize basis, as-is value, ARV or stabilized value, LTC, LTV, title, insurance and property risks.

  3. 03

    Compare lender paths

    Capwell presents a complete request to participating hard-money and private-lending sources whose current programs may fit.

  4. 04

    Complete underwriting

    The selected lender verifies value, title, insurance, entity, sponsors, property condition, exit and every closing condition.

Clear answers

Fix & Flip Hard Money Loans Questions

Can hard money cover renovation costs?

Some programs may finance an approved portion of eligible rehab costs, usually through a holdback and draws.

What is ARV?

After-repair value is an estimated value after proposed work, subject to independent lender or appraisal support.

Can a first-time flipper qualify?

Potentially, with adequate equity, reserves, credit, contractor plan and conservative exit.

Is profit guaranteed?

No. Renovation, holding, sale, market and financing costs can change.

Related hard money options

Continue comparing investor financing paths

Hard Money Purchase LoansProperty-backed financing for eligible investment purchases with short deadlines, nonstandard condition or a defined exit.Hard Money Refinance LoansReplace eligible debt while resolving a maturity, property issue or temporary obstacle to conventional refinancing.Hard Money Cash-Out LoansReplace eligible debt and request additional business-purpose proceeds from supported investment-property equity.Distressed Property Hard Money LoansShort-term financing for eligible distressed property when condition, repairs or code issues prevent conventional financing.

Discuss the property

Start with a property-specific hard money review

Share the property, purchase or payoff, requested loan, current condition, timeline and exit. We will organize the scenario and identify participating-lender paths that may fit.

  • Purchase, refinance, cash-out and renovation requests
  • Rental, vacant, distressed, commercial and land collateral
  • No obligation and no guarantee of approval
(786) 685-4328

Request a Hard Money Review

Share the basics and we will follow up about the investment property.

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