Business-purpose acquisition & rehab financing · Miami & South Florida
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Miami investment property evaluated for acquisition and rehab financing

Purchase and renovate

Acquisition and Rehab Loans in Miami, Florida

Combine an eligible investment-property purchase with a lender-approved renovation budget in one short-term, business-purpose financing structure.

Request a Financing ReviewCall (786) 685-4328

Program overview

How this fix-and-flip option works

An acquisition and rehab loan is designed for a non-owner-occupied property that needs renovation before resale or rental stabilization. The lender evaluates purchase price, as-is condition, scope, budget, projected after-repair value and exit.

Loan proceeds are commonly divided between funds delivered at closing and a construction holdback released through draws as eligible work is completed. Advance rates and draw procedures vary by lender.

Capwell Fix & Flip Loans Miami organizes the property, budget and exit for lender review. Capwell Capital is a commercial financing broker and advisory firm, not a direct lender.

Potential fit

Scenarios this option may serve

  • Distressed or dated single-family investment properties
  • Eligible condos, townhomes and 2–4 unit assets
  • Purchases with a defined cosmetic or structural renovation scope
  • Investors planning to sell or refinance after completion

Underwriting focus

Factors that shape eligibility

  • Purchase price, as-is value, total cost and requested loan
  • ARV supported by comparable completed properties
  • Scope, contractor plan, permits and timeline
  • Experience, credit, liquidity, equity and exit strategy

Prepare early

Documents commonly requested

The final checklist depends on the borrower, property, transaction and selected lender. Preparing the core information early reduces avoidable follow-up.

  1. 01Executed purchase contract
  2. 02Itemized scope and line-item rehab budget
  3. 03Contractor bids and permit plan when applicable
  4. 04Comparable-sale support for ARV
  5. 05Entity, liquidity and experience documents

Transaction path

What happens next

  1. 01

    Share the project

    Provide the purchase price, scope, rehab budget, expected ARV, timeline and exit strategy.

  2. 02

    Model the structure

    We compare total cost, LTC, LTARV, borrower cash and available participating-lender programs.

  3. 03

    Complete underwriting

    The lender reviews valuation, title, insurance, entity, borrower and construction documents.

  4. 04

    Close, renovate and exit

    Approved funds close the loan; rehab draws and payoff follow the selected lender’s requirements.

Clear answers

Acquisition & Rehab Loans Questions

What can an acquisition and rehab loan cover?

A qualifying structure may finance part of the purchase and approved renovation costs. The exact closing advance and rehab holdback depend on lender limits, ARV, experience and liquidity.

Are rehab funds available at closing?

The renovation portion is commonly held back and released in draws after eligible completed work is documented and, when required, inspected.

How is the maximum loan calculated?

Lenders commonly apply both cost-based and after-repair-value limits. The lowest applicable constraint, plus borrower and property requirements, controls the result.

Can the exit be a rental refinance?

Potentially. The completed property must separately qualify for an eligible rental or DSCR loan based on value, rent, seasoning, credit, reserves and takeout-lender guidelines.

Related fix-and-flip options

Continue comparing renovation financing paths

Light Rehab LoansFinance a shorter, primarily cosmetic renovation where the property needs updates rather than major structural reconstruction.Heavy Rehab LoansStructure financing for an eligible existing property that needs substantial systems, layout or structural renovation before sale or stabilization.Auction Purchase FinancingEvaluate a short-deadline acquisition before bidding, with clear expectations for deposit, title, valuation, access and funding conditions.First-Time Fix & Flip LoansPrepare a first project with a conservative budget, qualified team, sufficient equity and a documented sale or refinance exit.

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
(786) 685-4328

Request a Fix & Flip Financing Review

Share the basics and we will follow up about the investment property.

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