Jacksonville Hard Money Lender

Hard money loans in Jacksonville

Fix and flip, new construction and bridge loans for Jacksonville investors from a Florida direct lender. Up to 85% of your project cost, 100% of the rehab funded through draws, and a term sheet in 24 hours with no credit pull.

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Term sheet in 24 hours. No obligation.

No credit pull required. Your information is secure.

$100K-$2M

Loan size

Up to 85%

Loan-to-cost

100%

Rehab funded

Up to 70%

Of ARV

From 10%

Rate

12 mo

Term

Why Requity

A Florida lender for Jacksonville investors

Florida lender, Florida underwriting

We are headquartered in Tampa, and Requity Group owns and operates real estate in Florida. Your deal is reviewed by people who know Florida's title, permitting and insurance rules.

A direct lender, not a broker

We underwrite your deal and make the credit decision ourselves. No loan shopping, no surprise lender change before closing.

Room for older houses

Much of Jacksonville's flip inventory is older housing that needs real work. We fund 100% of the rehab budget through draws, so a full renovation does not drain your cash.

What We Fund

Hard money loans we make in Northeast Florida

Short-term, asset-based loans for investors buying with an LLC or corporation. We do not make consumer or owner-occupied loans.

Fix and flip loans

Up to 85% of your total project cost and 100% of the rehab through draws, 12-month terms, no exit fee.

New construction loans

Land and vertical construction in one loan, from spec homes to small multifamily, with draws released as milestones are finished.

DSCR rental loans

30 and 40-year rental loans qualified on the property's rent, not your income, for investors who want to hold or refinance out of a flip.

Transactional funding

A-B purchase capital for wholesalers doing double closings, so you can close and resell on the same day.

Two Programs

Jacksonville fix and flip loan terms

The same two programs we offer nationally. Experienced flippers get our best pricing; newer investors get the same 100% rehab funding with no minimum credit score.

Premier Balance Sheet

Who it is for 3+ flips in the last 24 months and 650+ credit First-time and newer flippers, no minimum credit score

Rate 10% fixed, interest-only From 12% fixed, interest-only

Origination 2 points ($4,000 minimum) 2 points ($4,000 minimum)

Purchase price Up to 90% Up to 85%

Total project cost Up to 85% Up to 85%

After-repair value Up to 70% Up to 70%

Rehab budget 100%, through draws 100%, through draws

Term 12 months, no exit fee 12 months, no exit fee

Your loan is the lowest of the purchase, cost and ARV limits. Loans carry a 4-month minimum of interest. All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Local Knowledge

Flipping in Jacksonville: what to plan for

Jacksonville is a large market with a few rules that catch out-of-town flippers. These are the ones we check on every deal.

One city, almost one county

Jacksonville and Duval County are a consolidated government, so most of the county is permitted by the City of Jacksonville. Jacksonville Beach, Neptune Beach, Atlantic Beach and Baldwin run their own building departments, as do Clay, St. Johns and Nassau counties.

Riverside, Avondale and Springfield

These are local historic districts. Exterior work, including re-roofing, windows, doors, siding, fences and driveways, needs a Certificate of Appropriateness before it starts. Interior-only work does not. Check the address on the city's map and add the review time to your schedule.

River and coastal flooding

Neighborhoods along the St. Johns River and its creeks have flooded in past storms. Check the FEMA flood zone, ask for the flood history, and check the 50% substantial improvement rule before a large renovation.

Older systems

Houses built before the 1980s often need electrical, plumbing and roof work to pass a buyer's 4-point inspection and get insured. Price those into your scope from the start rather than finding them at resale.

How It Works

From offer to sale in four steps

Send the deal

Share the address, purchase price, scope of work and your ARV estimate. You get a term sheet within 24 hours, with no credit pull.

Valuation and title

We order the valuation and work with your Florida title company or closing attorney. Bring your LLC documents and a line-item rehab budget.

Close in as fast as 72 hours

Most residential bridge deals close within 72 hours to 14 business days from a signed term sheet, depending on title and the valuation.

Renovate, draw, sell

Request draws as phases are finished. When the house sells, the loan is paid off at closing. No exit fee.

Have a deal? Get terms in 24 hours.

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FAQ

Jacksonville hard money loan FAQ

Don't see your question? Call 813.338.1000 or email contact@requitygroup.com.

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Are you a hard money lender in Jacksonville?

Yes. Requity Lending is a direct private lender based in Tampa that lends throughout Northeast Florida. We make short-term, asset-based loans to investors for fix and flip, new construction, transactional and bridge deals, and we make long-term DSCR rental loans when you are ready to hold.

Which areas around Jacksonville do you lend in?

All of Northeast Florida, including Jacksonville, the Beaches, Orange Park, Middleburg, St. Augustine, Fleming Island, Yulee and Fernandina Beach, and the rest of Florida.

What does a hard money loan cost in Jacksonville?

Fix and flip rates are 10% fixed and interest-only on our Premier program and from 12% on Balance Sheet, with 2 origination points ($4,000 minimum) and no exit fee. Florida adds documentary stamp tax on the note ($0.35 per $100 of the loan) and intangible tax (0.2% of the loan) at closing.

Do you lend on houses in historic districts?

Yes. We underwrite the renovation you can actually get approved, so plan your exterior scope around the district's design guidelines and get your Certificate of Appropriateness before the work starts.

Can I get a loan as a first-time flipper in Jacksonville?

Yes. Our Balance Sheet program is open to first-time flippers and has no minimum credit score. Investors with 3 or more flips in the last 24 months and a 650+ credit score qualify for Premier pricing.

How fast can you close in Jacksonville?

As fast as 72 hours from a signed term sheet. Most residential deals close within 72 hours to 14 business days, depending on title work and the valuation.