Short-term purchase + rehab bridge loans for investors flipping properties in Florida. Rates 9.5–12%, up to 100% loan-to-cost for premier borrowers, and 100% of your rehab budget financed via draws. Close in as little as 72 hours with clear title. SLA Capital has closed deals across every Florida metro.
SLA Capital — a Sir Lends A Lot LLC Company
A Fix and Flip loan is short-term bridge financing used to purchase and rehabilitate a distressed property before selling or refinancing it. Loan size is anchored to the property's after-repair value (ARV) — not its current condition — so investors can finance both the acquisition and the renovation on a single loan. Rehab dollars are disbursed via draws as work is completed and inspected.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
Rental income and capital gains from Florida properties are not subject to state income tax — a meaningful yield boost over the hold period.
Florida continues to attract high volumes of domestic migration — retirees, remote workers, and families relocating from higher-tax states. Rental demand stays deep across every metro.
Metros like Orlando, Miami, and the Gulf Coast have active short-term rental markets alongside long-term rentals — Florida investors often run mixed strategies on the same portfolio.
Whether you're closing a single-asset SFR in a smaller Florida market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Miami, Miami Beach, Doral, Hialeah — LTR + STR scenarios
Tampa, St. Petersburg, Clearwater, Brandon
Metro Orlando — including Kissimmee, Davenport, Lake Nona (STR corridor)
Duval County, Ponte Vedra, St. Augustine
Broward County, Coral Springs, Hollywood, Pompano Beach
Southwest Florida — Naples, Bonita Springs, Estero
Sarasota, Bradenton, Pensacola, Panama City
Statewide coverage — send us any Florida property
Same nationwide program, no state-specific surcharges.
Close in as little as 72 hours with clear title. The fastest funding in the field when your deal needs to move.
Points range 1–4. Transparent up-front pricing — no bait-and-switch, no surprise fees at the closing table.
Premier repeat borrowers qualify for up to 100% loan-to-cost. First-timers welcome — LTC scales with experience.
Full rehab budget financed and disbursed via draws after inspection. Photos + invoices approve same-day through our platform.
Choose the term that fits your project. Extensions available on active deals.
Loans from $55,000 up to $3,000,000. From cosmetic flips to full gut jobs across Florida.
Yes. SLA Capital funds Fix & Flip bridge loans throughout Florida — Miami–Dade, Tampa Bay, Orlando, Jacksonville, Fort Lauderdale, and every other FL metro. Rates 9.5–12%, up to 100% LTC for premier borrowers.
As little as 72 hours from application to funding when the title is clear and the file is complete. Average close across all Florida Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs on Florida Fix & Flip loans. Funds are disbursed via draws after inspection of completed work. Photo-and-invoice draw requests run through our platform for same-day approvals.
Every Florida metro. High-volume markets: Miami–Dade, Tampa Bay, Orlando, Jacksonville, Fort Lauderdale. Secondary markets welcome — send us any Florida property.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Florida investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Ground-up construction loans for Florida builders. 85% land + 85% build. $100K–$7.5M.