Fix & Flip Financing

Fast, direct capital for Florida real estate investors

A&J Gulf Blvd Capital funds fix and flip projects directly, with no broker layer between you and the decision-maker. Whether you're taking on your first rehab or scaling a portfolio of flips, we structure financing around your project's timeline — not around a rigid underwriting queue.

Program Terms

Who Qualifies

• Credit: 650 minimum, with case-by-case exceptions for borrowers with strong liquidity or other compensating factors
• Experience: No minimum required — first-time investors are welcome with a 740+ credit score or solid cash reserves
• Entity: Loans close in the name of an LLC or corporation
• Reserves: Sufficient liquidity to cover your down payment, closing costs, and any portion of rehab not financed

General Conditions to Closing

• Executed purchase and sale contract for the property
• Current title commitment naming A&J Gulf Blvd Capital LLC as proposed insured/lender
• Appraisal or valuation ordered directly by Lender, reflecting both as-is and after-repair value
• Detailed, line-item scope of work and renovation budget
• Borrower entity formation documents and certificate of good standing
• Personal financial statement and proof of reserves for all guarantors
• Signed personal guaranty from all principals
• Proof of builder's risk / hazard insurance naming Lender as loss payee

How Draws Work

Submit photo documentation of completed work through our simple draw request process. Once approved, funds are wired within 48–72 hours — no scheduling delays waiting on an inspector to drive out to the property.

Understanding Your Financing: LTC & ARV

Two numbers drive how much we can lend on your deal, and it helps to know both before you run your numbers.

• LTC — Loan-to-Cost. This measures your loan against the total cost of the project: purchase price plus rehab budget. If a property costs $200,000 to buy and $50,000 to renovate, your total project cost is $250,000. At 90% LTC, we can lend up to $225,000 toward that total — you bring the remaining $25,000 plus closing costs to the table.
• ARV — After-Repair Value. This is what the property is expected to appraise for once the renovation is complete. We cap our loan at 75% of that value as a safety margin — for us and for you. On a property with a $300,000 ARV, the loan can't exceed $225,000, even if the LTC calculation would allow more.

In practice, we calculate the loan both ways — 90% of your total project cost, and 75% of the after-repair value — and lend whichever number is lower. That's standard practice across the industry and keeps every deal within a safe margin for both sides.

How the Program Works, Step by Step

• 1. Submit your deal. Send us the property address, purchase price, and your renovation scope of work and budget.
• 2. We order the valuation. We engage an independent appraiser directly to confirm both as-is value and after-repair value — this keeps the appraisal defensible and unbiased.
• 3. Term sheet. Once we've reviewed your credit, experience, and the deal numbers, you'll get a term sheet spelling out your rate, leverage, and loan amount.
• 4. Underwriting & closing conditions. We run title, entity, and background checks in parallel while you finalize your purchase contract and insurance.
• 5. Closing. Purchase funds (and any day-one rehab funds) are disbursed at closing through your title company.
• 6. Draws during rehab. As work is completed, submit photo documentation through our draw request process. Approved draws are wired within 48–72 hours — no waiting on a scheduled inspector visit.
• 7. Exit. Sell the finished property or refinance into permanent/DSCR financing before the loan matures.

All terms are indicative and subject to underwriting, appraisal, title review, and credit committee approval. Rates and leverage vary based on borrower credit, experience, and deal strength. A&J Gulf Blvd Capital LLC is a private direct lender; this is not an offer to lend and does not constitute a commitment.