Investor · Florida
Fix & Flip in Florida
Flipping houses in Florida? Fast hard-money and bridge financing that funds purchase and rehab in one loan.
Common challenges we solve
- Need to move fast on auctions and off-market deals
- Want rehab funds rolled into the loan
- Variable exit timelines
What you get with Lumos
High leverage on purchase and rehab (business-purpose loans)
Fast closings possible on complete files
Interest-only during rehab
What's different in Florida
On a Florida flip you'll typically see documentary stamp tax on each deed recorded — once when you buy and again when you sell (who pays on the sale is negotiable, and Miami-Dade uses its own rate). Permits and inspections for roofs, windows and structural work must meet the Florida Building Code, which can affect your rehab timeline.
Loan programs that typically fit
Frequently asked
- What credit score do I need?
- 660+ for best pricing; we have programs down to 620.
- Do I need flip experience?
- Not required for entry, but pricing improves with documented track record.
