Hard Money Lenders in Jacksonville, FL | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard 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.

Get a term sheet →Price a Jacksonville deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Jacksonville deal right now

Prefilled with a realistic Jacksonville deal. Change any number and it reprices on the programs that lend in Florida, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

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, 700 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.

Loan amount$168,250
Cash to close$33,742
Proof of funds to show$55,225
Where the $33,742 goes
  • Down payment (15% of the purchase)You$21,750
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,167
  • Prepaid interest (15 days)Lender$481
  • 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.

Fix and flip programs in Jacksonville

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Jacksonville prices sit right now

Before we price a Jacksonville flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

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.

What happens after you apply

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.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Jacksonville

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Florida →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Jacksonville →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Florida →

Where we lend in Jacksonville

We broker deals across the whole Jacksonville market. The submarkets investors ask us about most are Lakeshore and the Westside (32210), Murray Hill (32205), Springfield and Eastside (32206), Arlington (32211 / 32277), Northwest Jacksonville (32208 / 32209) and Spring Park and Southside (32207).

How long does a Jacksonville loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Florida, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Jacksonville hard money FAQ

Do you lend hard money in Jacksonville?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Jacksonville scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Florida, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Jacksonville?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Jacksonville hard money loan close?
As little as 72 hours. Most Jacksonville fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Jacksonville flip?
The worked example on this page is a $145,000 Jacksonville purchase with a $45,000 rehab and a $270,000 after repair value at 700 credit, first flip: $21,750 down (15% of the purchase) and $33,742 total cash to close, with $55,225 of proof of funds to show the lender. The lowest down payment for a first flip in Jacksonville is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Jacksonville?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Jacksonville fix and flip loan?
One Jacksonville program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Jacksonville flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Jacksonville flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Do VA and FHA buyers change how I should rehab a Jacksonville flip?
They should. With two Navy bases in town, a big slice of Jacksonville buyers use VA loans, and a lot of first-time buyers use FHA. Both appraisals check condition, not just value: chipped paint on an older house, missing handrails, exposed wiring or a roof near the end of its life can hold up their closing. Build those items into your scope from the start and you won’t be fixing them under a deadline after you’ve already accepted an offer.
Can I get a hard money loan on a Jacksonville house in a flood zone?
Yes, but price the flood side first. Lenders escrow flood insurance on houses in A zones, which raises your monthly carry, and the city’s substantial improvement rule can force an elevation if the rehab cost gets close to half the building’s value. Pull the flood zone and the prior claims history before you go under contract, then size the scope so it works under that rule.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

We also have DSCR loans in Jacksonville. Hard money near Jacksonville: Orlando, Tampa and Savannah. More Florida city guides: Cape Coral, Fort Lauderdale, Miami and St. Petersburg. Or see everything we fund in Florida.

Ready to fund your Jacksonville deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter