Fix and Flip Loans Closed in Florida

From Gulf-coast condos in Clearwater to luxury single-family on the southeast coast, Stormfield has funded fix and flip loans across Florida's coastal markets and the full range of deal sizes. Every loan closed on our own balance sheet.

Balance Sheet Capital

One Team From Start to Finish

Upfront Underwriting, No Surprises

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Track Record

Every Deal Underwritten, Funded, and Serviced In-House

Stormfield has applied the same credit standard to every loan since 2015. No adjusted terms at the closing table, no exceptions for deal size or geography. The deals below closed the way they were committed, and the same team that underwrote them serviced each one through to payoff.

Deals and Counting

Closed across Florida on Stormfield's own balance sheet.

$70.9M+

Capital Deployed in FL

Total fix and flip principal funded in the state to date.

$621K

Median Loan Size in Florida

Closed loans ranging from $100K to $5.75M across Florida fix and flip projects.

Florida Portfolio

Deals We've Closed Across Florida

Fix and flip loans funded by Stormfield Capital in Florida. Each transaction was underwritten, funded, and serviced in-house.

West Palm Beach, FL Luxury Single-Family

$5,750,000

65% LTV 12 Month Term

Investor acquired and renovated a high-end single-family property in West Palm Beach. Acquisition and renovation funded at 65% LTV.

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Miami Beach, FL Luxury Single-Family

$1,700,000

65% LTV 12 Month Term

Acquisition and renovation of a luxury single-family residence in Miami Beach, funded at 65% LTV.

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Tampa, FL Single-Family

$405,000

60% LTV 12 Month Term

Repeat borrower acquired and renovated a single-family property in Tampa. Stormfield closed with tenants in occupancy and no interior access at underwriting, a scenario most lenders decline. Funded at 60% LTV on a 12-month term.

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Naples, FL Single-Family

$845,000

65% LTV 12 Month Term

Single-family fix and flip in Naples, funded from acquisition through renovation with in-house draws through project completion.

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Clearwater Beach, FL Condo

$416,000

60% LTV 6 Month Term

Condo fix and flip in Clearwater Beach on a short six-month timeline, funded at 60% LTV.

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Naples, FL Single-Family

$430,500

70% LTV 12 Month Term

Single-family acquisition and renovation in Naples, funded at a conservative ARV below the local median. Sponsor brought over a decade of commercial construction experience and nearly 20% equity at close. Funded at 70% LTV on a 12-month term.

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Questions

What Florida Investors Ask

How do Florida insurance costs and hurricane codes affect a fix and flip?

They affect the exit, so they belong in the project budget from day one. Annual premiums in many Florida markets now run high enough that buyers shop on total cost of ownership, not just price. Impact-rated openings and wind-mitigation credits can cut a buyer's premium materially and make your finished property the easiest one on the block to insure. Stormfield accounts for these carrying costs when sizing a project.

Do Florida condo rules change how you lend?

They can. Since the milestone inspection deadlines, condo associations carry real structural and special-assessment risk, so Stormfield underwrites the association alongside the unit. We are often a strong fit for townhomes, villas, and single-family where you control the building envelope, and we will look at condos where the association's finances are sound.

Do you lend across all of Florida or mainly the coasts?

Stormfield is selective in Florida and concentrates where it knows the markets, which to date has meant the southeast coast and the Gulf coast. If your target market does not appear in the closed transactions on this page, that reflects deal mix rather than a hard restriction. Contact us to discuss a specific deal.

What does Stormfield look for when evaluating a Florida fix and flip loan?

Four things matter most: borrower experience and real estate background; the quality and detail of the renovation scope; the property's ARV relative to purchase price and rehab budget; and a clear exit, whether a sale or a refinance. Florida-specific factors that often come up include insurance and wind-mitigation, condo association health, and submarket ARV comparables in markets where values are uneven. For full borrower criteria, see the Florida fix and flip loan program.

How are rehab funds disbursed?

Renovation funds are held in a construction reserve and released in draws as work is completed and verified by inspection. Draw requests are processed in-house by the same team that underwrote and closed the loan. Because there are no handoffs to third-party servicers, draw turnaround stays consistent from the first request through the last.

How quickly can you close a fix and flip loan in Florida?

Submit a prequalification and get a term sheet instantly. Most transactions close within 7 to 10 business days of a complete application. In a market where bank approvals run 45 to 60 days, that speed is what lets you win a property at auction.

Do you work with first-time fix and flip investors in Florida?

Yes. First-time flippers are evaluated on credit strength, liquidity, and the quality of the project plan, and a detailed scope of work with a credible contractor carries real weight. There is no minimum FICO requirement, but borrowers apply through an LLC or corporation and must show liquidity for the down payment, reserves, and interest carry. Full criteria are on the Florida fix and flip loan program page.

Going Deeper

Resources for Florida Fix and Flip Investors

The transactions above show what Stormfield has closed in Florida. The resources below cover the market, the loan mechanics, and how to evaluate a lender.