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What is a fix and flip Loan?

Short-term funding that enables investors to purchase, renovate, and resell properties for profit.

As their name suggests, fix and flip loans provide real estate investors looking to fix up a property to then sell for profit with quick funding. Properties in need of fixing are typically purchased by individuals from real estate auctions or bank foreclosures with the intent of either selling as is or renovating to resell at a higher price. Fix and flip loans can be used for Real Estate Investors looking to:

  • resell a property with only minor renovations completed
  • completely renovate a property to sell for a profit
  • purchase land with the intent of building a property to resell
Qualified Property Types for fix and flip Loans

Review the property types eligible for financing under this loan program.

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Commercial Properties

Apartment Complexes

Retail Properties

Warehouses and Industrial Plants

Single-Family and Multi-Family Homes*

Construction projects

Townhouses and Condos*

*This provision does not apply to homesteaded primary residences.

For a full list of fix and flip Loan property types or for additional information, please contact us online or call 1 (954) 947-1232.

For a full list of fix and flip Loan property types or for additional information, please contact us online or call
1 (954) 947-1232.

Loan benefits with Community capital

Built to support broker success 

Looking for private funding for your next investment property? Community Capital offers commercial real estate loans throughout Florida to help future investors get the funding they need to purchase or renovate an investment property. Our team of professional hard money lenders will work to provide the best hard money loan options for your investment project.

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Fast & Reliable Funding
variety of loan options
Quick Decisions &
Competitive Rates
Local and Experienced staff
Loan terms

A quick overview of the key terms designed to help you move forward with confidence.

Up to 24 months
Interest only
Rates change daily
60% maximum LTV
1st mortgage position
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How Our Loan Application Process Works

In real estate timing is everything and we’re here to help you act quickly.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

get funded
A fix and flip loan is a short-term private loan used to purchase and renovate an investment property with the intent to sell it for a profit. It’s designed for speed — so investors can acquire, improve, and exit quickly.
Credit decisions come within 24 hours and closings happen in days. When a deal has a deadline, we move with it.
Yes. We fund fix and flip projects across all major Florida markets, including South Florida, Tampa Bay, Central Florida, and beyond.
We evaluate deals based on the property’s current value, the after-repair value (ARV), and the strength of the project plan — not your personal credit score. Our in-house underwriting team makes decisions fast so you don’t lose the deal.
No strict experience requirement. We work with both seasoned investors and those completing their first flip — what matters is the deal and the property.
As a general guideline, we typically work with loan amounts starting at $400,000, with a maximum loan-to-value (LTV) of 60% and a maximum loan-to-cost (LTC) of 60%. Loan terms typically run 12–24 months. These are marketing benchmarks, not strict cutoffs — we evaluate every deal on its own merits and may exceed these parameters for strong opportunities. Contact our team to discuss your specific project.
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