Business-purpose acquisition & rehab financing · Miami & South Florida
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Interior of a Miami property undergoing a light rehab renovation

Cosmetic renovation financing

Light Rehab Loans for Miami Fix and Flip Projects

Finance a shorter, primarily cosmetic renovation where the property needs updates rather than major structural reconstruction.

Request a Financing ReviewCall (786) 685-4328

Program overview

How this fix-and-flip option works

Light rehab commonly focuses on paint, flooring, fixtures, cabinets, counters and appliances. The lender still evaluates complete cost, proposed ARV and whether the budget is realistic.

A clean scope with unit costs and a practical schedule helps underwriting and draw administration. Mold, roof, electrical, plumbing, structural or permit issues can move a project outside a light-rehab category.

Capwell helps compare participating programs and clarify what remains subject to valuation, credit, documentation and final lender approval.

Potential fit

Scenarios this option may serve

  • Paint, flooring, cabinets and appliance updates
  • Properties needing market-ready cosmetic improvements
  • Shorter schedules with limited structural work
  • Resale or rental-stabilization strategies

Underwriting focus

Factors that shape eligibility

  • Rehab budget relative to purchase price
  • Evidence the work is primarily cosmetic
  • Projected ARV and comparable-sale support
  • Timeline, liquidity, credit and exit

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. 01Purchase contract or ownership information
  2. 02Itemized scope and contractor estimates
  3. 03Current photos and valuation access
  4. 04ARV support and timeline
  5. 05Entity and liquidity 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

Light Rehab Loans Questions

What counts as light rehab?

Definitions vary. Paint, flooring and finish updates may qualify, while structural changes, additions, major systems or extensive permits may be treated as heavy rehab.

Can a first-time investor use a light rehab loan?

Some lenders consider first-time investors with sufficient credit, liquidity, equity, contractor support and a credible project.

Do I need a contractor?

Requirements vary. The lender may request contractor bids, qualifications, insurance or a schedule even when the investor manages part of the work.

How quickly can the loan close?

Timing depends on a complete file, valuation, title, insurance and lender review. No closing date is guaranteed.

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.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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