Miami investment property financing
Fix and Flip Financing in Miami, Florida
Finance an eligible investment-property acquisition and renovation with a short-term, business-purpose loan structured around the project, budget, after-repair value and exit.
- Purchase and rehab in one structure
- Light and heavy rehab options
- Sale or rental-refinance exits
Rates & terms
Illustrative starting points for a qualifying project
Potential parameters found in selected participating-lender programs. Every request is subject to full underwriting.
Interest-only optionsRehab draw structuresBusiness-purpose investment property only
*Illustrative starting rate and maximum program parameters supplied as of August 2026 and subject to change without notice. “Up to” limits are not available on every program or file and may not be combined. Actual rate, proceeds, term and eligibility depend on the participating lender, borrower, credit, experience, liquidity, property, purchase price, scope, LTC, LTARV, market and exit. Not a commitment to lend.
Fix-and-flip loan options
Financing paths for the acquisition, renovation and exit
Choose the page that matches the project rather than forcing every renovation into one generic program.
Core acquisition and rehab option
Acquisition & Rehab Loans
Combine an eligible investment-property purchase with a lender-approved renovation budget in one short-term, business-purpose financing structure.
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Light Rehab Loans
Finance a shorter, primarily cosmetic renovation where the property needs updates rather than major structural reconstruction.
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Heavy Rehab Loans
Structure financing for an eligible existing property that needs substantial systems, layout or structural renovation before sale or stabilization.
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Auction Purchase Financing
Evaluate a short-deadline acquisition before bidding, with clear expectations for deposit, title, valuation, access and funding conditions.
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First-Time Fix & Flip Loans
Prepare a first project with a conservative budget, qualified team, sufficient equity and a documented sale or refinance exit.
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Experienced Investor Programs
Compare structures for repeat investors seeking reliable execution, efficient draws and capacity for multiple renovation projects.
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2–4 Unit Fix & Flip Loans
Evaluate acquisition and renovation financing for an eligible duplex, triplex or four-unit residential investment property.
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Fix-to-Rent & Bridge-to-DSCR Loans
Acquire and improve an eligible property with bridge financing, then pursue a long-term rental or DSCR refinance after completion.
Explore this financing optionInteractive deal calculator
Estimate loan constraints, project cost and potential margin
Model purchase price, rehab, ARV, financing limits, carrying costs and sale expenses. Results are educational—not a quote, appraisal or approval.
Educational estimate only. This tool is not a loan quote, appraisal, profit forecast or approval. It assumes the selected percentages are available and uses an average outstanding rehab balance for interest. Actual draws, interest, points, fees, closing costs, taxes, insurance, repairs, sale price, market time and lender limits will differ.
ARV, LTC and LTARV
Why the maximum loan is not based on one number
A lender may limit the loan by purchase price or total project cost and also by after-repair value. The financeable amount is generally the lowest result after all applicable tests.
Illustrative maximum loanLower of cost-based limit or ARV-based limit
The investor still needs enough cash for the required contribution, closing costs, interest, deposits, contingency and any expense not approved for financing.
Open the full fix-and-flip calculatorHow the process works
From project numbers to a lender decision
- 01
Describe the project
Share purchase price, scope, rehab budget, ARV, property type, experience and deadline.
- 02
Review the capital stack
We estimate LTC, LTARV, borrower cash, holdback and available program paths.
- 03
Organize the submission
Capwell packages the request for participating lenders and helps compare structures.
- 04
Complete underwriting
The lender reviews valuation, title, insurance, entity, credit, liquidity and construction documents.
Project profiles
Renovation stages and asset types we help evaluate
Photographs are illustrative examples, not Capwell-financed projects, transactions or completed work.
Acquisition opportunity
A dated non-owner-occupied property evaluated before purchase.
Light rehab
Cosmetic interior work with a defined budget and short schedule.
Heavy rehab
Major systems, layout or permitted renovation with added construction review.
2–4 unit project
Eligible duplex, triplex or fourplex renovation scenarios.
Completed resale profile
A renovated property used to model ARV and exit comparables.
Fix-to-rent exit
A completed property prepared for rental stabilization and possible DSCR takeout.
Image disclaimer: these photographs show examples of property conditions and renovation stages that may be considered for financing. They do not represent properties financed, brokered, owned, renovated or closed by Capwell Capital.
Broker & advisory approach
One project package, organized for the lender market
Capwell Capital is not a direct lender. We help investors present the property, budget, ARV, experience, capital and exit clearly and compare available programs from participating lenders.
- A deal-specific review instead of a generic maximum-leverage promise
- Early identification of budget, valuation, liquidity and timeline issues
- Clear separation between preliminary review and final lender approval
Miami & South Florida
Fix-and-flip loan service areas
Property-specific guidance across Miami-Dade, Broward and nearby South Florida markets without claiming a physical Miami office.
Clear answers
Miami Fix and Flip Loan Questions
What is a fix-and-flip loan?
A fix-and-flip loan is short-term, business-purpose financing for a non-owner-occupied investment property that will be purchased or refinanced, renovated and then sold or refinanced. The lender evaluates the property, budget, after-repair value, borrower and exit strategy.
How do lenders calculate the maximum fix-and-flip loan?
Participating lenders commonly apply more than one limit, including a percentage of purchase price or total project cost and a percentage of after-repair value. The lowest applicable limit, plus borrower cash, credit, liquidity, experience and property requirements, determines proceeds.
Can rehab costs be included?
Potentially. Selected programs may finance up to 100% of an approved rehab budget, but renovation funds are commonly held back and released through draws as eligible work is completed. The borrower must plan for deposits, carrying costs and possible overruns.
Can a first-time investor qualify?
Some participating lenders consider first-time investors. Credit, equity, liquidity, contractor support, scope complexity and a credible exit can affect leverage, pricing and eligibility.
What is ARV?
ARV means after-repair value—the appraiser- or lender-supported value expected after the planned work is complete. It is not the investor’s target list price and is not guaranteed.
Can I keep the property as a rental?
Potentially. A fix-to-rent strategy may refinance the completed property into an eligible long-term rental or DSCR loan. The takeout is separately underwritten and is never guaranteed by the bridge approval.
Is Capwell Fix & Flip Loans Miami a direct lender?
No. The website is operated by Capwell Capital, a commercial financing broker and advisory firm. We organize scenarios and compare participating-lender programs; the selected lender makes the final decision.
Can this financing be used for a primary residence?
No. The programs discussed here are for business-purpose, non-owner-occupied residential investment properties, not consumer mortgages or owner-occupied renovations.
Discuss the project
Start with a property-specific fix-and-flip review
Share the purchase price, scope, rehab budget, expected ARV, requested loan and timeline. We will help organize the scenario and identify participating-lender options that may fit.
- Acquisition, light rehab and heavy rehab requests
- Non-owner-occupied investment properties only
- No obligation and no guarantee of approval