Hard Money Loans in Bay County Florida
Florida Fix and Flip Loans offers quick and flexible hard money loans for real estate investors in Bay County, Florida. Whether you’re flipping homes in Panama City, rehabbing rentals in Lynn Haven, or building in Callaway, our asset-based lending provides fast access to capital when you need it most.
Harsd Money Loan Program
Our hard money loans are designed for real estate professionals who need to close quickly on investment opportunities. We focus on the value of the property and its potential after improvements, not your credit score or income documentation. Loans can be used for acquisitions, rehab, refinance, or bridge purposes.
Why Choose Private Loans Over Banks?
Traditional bank loans are slow, require high credit, and involve extensive paperwork. Our private hard money loans are streamlined and based on your property’s potential—not your tax returns. This makes them ideal for distressed property purchases or fast-moving deals.
How to Qualify
To qualify, provide:
- Purchase contract or property deed
- Scope of work and rehab budget
- Property photos or appraisal (if available)
- Title and hazard insurance contacts
Property Types Eligible
- Single-family investment homes
- Duplexes, triplexes, fourplexes
- Multi-unit residential (5+ units)
- Mixed-use and light commercial properties
Fast Funding Timelines
Our typical closing time is 5–10 business days. Draw schedules for rehab disbursements are available and based on project progress milestones.
Local Lending Experience in Florida
Florida Fix and Flip Loans has funded over 1,000 real estate projects throughout the state. We understand local zoning laws, permit requirements, hurricane zone insurance issues, and the pace of construction in areas like Bay County.
Serving Real Estate Investors Across Florida
We serve investors in Bay County and throughout Florida, including cities like Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, and Tallahassee. We are your trusted private lending source for fast, strategic funding.