Broker, not a lenderHard Money Lenders inJacksonville, Florida
Fix and flip, DSCR rental and new construction financing for Jacksonville investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Jacksonville deal right now
Prefilled with a realistic Jacksonville deal. Change any number and it reprices instantly on the lanes licensed in Florida, using the same engine behind our term sheets.
Financing a deal in Jacksonville
Jacksonville covers more ground than any city in the lower 48, because the city and Duval County merged back in 1968. So a "Jacksonville" deal can be a 1920s frame bungalow near the river or a block ranch out past I-295, and they don’t trade alike. For a flipper, the draw is the entry price: it’s well under Tampa or Orlando, and the houses that work are the 1940s to 1970s stock on the Westside, in Arlington and around Murray Hill.
Here the call is really about which buyer you’re building for. Murray Hill and the streets near Riverside pull buyers who’ll pay for character and a walkable coffee shop. Arlington’s ranches go to first-time buyers and Navy families out of NAS Jacksonville and Mayport. On the Northwest side the finished house often ends up with a landlord. Those three exits want different kitchens, different price points and different timelines, so we figure out which one yours is before we talk ARV.
What a Jacksonville deal looks like on paper
Jacksonville example: $145,000 purchase, $45,000 rehab, $270,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1960s concrete block ranch on the Westside that needs a roof, a kitchen, two baths and new windows. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$21,750
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,000
- Title and closingTitle$3,167
- Prepaid interest (15 days)Lender$656
- Property insuranceInsurer$1,805
- AppraisalAppraiser$550
Interest while you rehab: $975 a month on the $123,250 funded at closing, $1,331 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $7,983 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Jacksonville
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Jacksonville comps say
Redfin puts the Jacksonville median sale price at $309K for the three months ending August 2026, up 2.8% on a year earlier, with homes selling in around 57 days. Zillow’s home value index for the city is $285,103, down 0.8% over the year. In 32210 on the Westside, Redfin’s median is $225K with homes selling in about 51 days.
| Median sale price, Jacksonville (Redfin, 3 months to Aug 2026) | $309K |
| Days on market, Jacksonville (Redfin) | 57 |
| Zillow home value index, Jacksonville (Aug 2026) | $285,103 |
| Median sale price, 32210 Westside (Redfin) | $225K |
| Days on market, 32210 (Redfin) | 51 |
Sources: Redfin, Jacksonville housing market · Zillow, Jacksonville home values · Redfin, 32210 housing market
How a Jacksonville file actually gets priced
Duval appraisers cover a huge territory, and it’s easy for them to grab a sale on the far side of a creek or a drainage canal that locals know splits two very different streets. We tie the after repair value (the price the finished house should sell for) to closed sales inside the same subdivision from the last few months. On anything built before about 1980 we also plan for a four-point inspection and a wind mitigation report, because Florida carriers ask for both, and what they show sets your builder’s risk policy and your buyer’s premium.
Water is the Jacksonville question. The St. Johns River and the creeks that feed it, the Ortega, Cedar River, Trout River and Pottsburg, all carry flood zones, and Hurricane Irma pushed river water into streets that had never flooded. Inside a mapped flood zone the city applies the substantial improvement rule: if your rehab costs half or more of the building’s value, the whole house has to meet current flood rules, which can mean raising it. Know that number before you write the scope. Roof age is the other one. Carriers here look hard at older shingle roofs, so budget one unless the current roof is young.
Who buys your finished Jacksonville deal
The finished Jacksonville house mostly sells to a price-sensitive owner-occupant, and a lot of them carry VA or FHA financing. Those appraisals come with property condition rules, so peeling paint, missing handrails or a dead water heater can stall your closing. Finish to that standard and the exit is smoother. On the Westside and Northwest, rent often covers a DSCR loan (a rental loan that qualifies on the property’s rent, not your income), so a refinance and hold is a real plan B if the listing sits.
Your whole loan, in one portal
Apply once and the whole Jacksonville loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Jacksonville
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Jacksonville.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Jacksonville
We broker deals across the whole Jacksonville market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Florida, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Jacksonville hard money FAQ
Do you lend hard money in Jacksonville?
Which fix and flip programs apply in Jacksonville?
How fast can a Jacksonville hard money loan close?
How much do I need to bring to close on a Jacksonville flip?
Do you fund the rehab budget in Jacksonville?
What credit score do I need for a Jacksonville fix and flip loan?
Can I refinance a Jacksonville flip into a rental loan?
Do VA and FHA buyers change how I should rehab a Jacksonville flip?
Can I get a hard money loan on a Jacksonville house in a flood zone?
Before you sign anything
Ready to fund your Jacksonville deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.