Business-purpose acquisition & rehab financing · Miami & South Florida
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Miami investment property with walls opened for heavy rehab

Major renovation financing

Heavy Rehab Loans for Miami Investment Properties

Structure financing for an eligible existing property that needs substantial systems, layout or structural renovation before sale or stabilization.

Request a Financing ReviewCall (786) 685-4328

Program overview

How this fix-and-flip option works

Heavy rehab can include major electrical, plumbing, HVAC, roofing, structural, layout or permitted work. The lender evaluates whether the team, budget, contingency and schedule can carry the project through completion.

Plans, permits, contractor experience, builder’s risk coverage and additional liquidity may be required. Unsupported ARV or an incomplete scope can reduce proceeds or stop a file.

This site focuses on renovation of existing residential investment property, not ground-up construction or owner-occupied work.

Potential fit

Scenarios this option may serve

  • Major systems and interior replacements
  • Permitted layout changes or structural repairs
  • Extensive deferred maintenance
  • Experienced renovation teams

Underwriting focus

Factors that shape eligibility

  • Plans, permits and contractor qualifications
  • Contingency and available liquidity
  • As-is value, total cost and ARV
  • Relevant experience and exit timeline

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. 01Line-item budget with contingency
  2. 02Plans, permits and engineering when applicable
  3. 03Inspection findings and property access
  4. 04Team experience schedule
  5. 05ARV, exit, entity and liquidity support

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

Heavy Rehab Loans Questions

What makes a project heavy rehab?

A lender may use structural work, additions, major systems, permit intensity or budget size to classify a project. Each program uses its own definition.

Can permits be obtained after closing?

Some programs allow selected permits after closing; others require approved plans or permits first. The planned work and municipality determine the answer.

Is contingency required?

Many lenders expect contingency or additional liquidity because hidden conditions and overruns are common. The amount is project-specific.

Do you finance tear-downs?

A tear-down or ground-up build requires a separate construction-financing review and is not presented here as a standard fix-and-flip program.

Related fix-and-flip options

Continue comparing renovation financing paths

Acquisition & Rehab LoansCombine an eligible investment-property purchase with a lender-approved renovation budget in one short-term, business-purpose financing structure.Light Rehab LoansFinance a shorter, primarily cosmetic renovation where the property needs updates rather than major structural reconstruction.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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