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Fast, Reliable, and Hassle-free Funding For Your Fix-and-Flip Projects in Florida

As Florida's premier hard money lender, we’re dedicated to real estate investors who are serious about making their mark in the Sunshine State. Whether you're flipping houses in Miami or renovating properties in Tampa, we provide the capital you need to seize opportunities quickly.

Why Our Clients Choose Us?

At Y2 Lending, we provide a seamless journey to fund your next project, making the process smoother and more efficient.

Florida Market Expertise

We understand the unique dynamics of Florida's real estate market, from the booming beachside properties to the bustling urban developments.

Fast Approval & Funding

Skip the complicated paperwork. We don't require bank statements, tax documents, or proof of experience. Focus on your project, not the paperwork.

Flexible Terms

With no prepayment penalties, no 3rd party appraisals, soft credit pulls, as low as a 10% down payment, and up to 90% LTC, our loan terms are designed to fit your needs, budget, and maximize your investment potential

Special Offer

If we get you approved but don't close the loan, we'll send you $500 for wasting your time *

Fix and Flip Funding Details

Our fix and flip loans are specifically crafted for real estate investors aiming to purchase, renovate, and either sell or rent properties. With Y2 Lending, you'll benefit from fast approvals, flexible terms, and the funding you need to reach your investment goals

Fast approval and closing

No experience is necessary

No tax documents needed

No bank account statements required

No seasoning required

No hard credit pulls

No prepayment penalties

In-house appraisal

Credit scores as low as 640+

Rates starting at 9.25% APR

Up to 90% of the purchase price and 100% rehab funding

Loans up to 75% LTV

Choose loan terms of 12, 18, or 24 months

Eligible asset types include 1-4 units

How It Works

Apply Online

Fill out our quick application form.

Get Pre-Approved

Receive a fast decision, often within a few business hours.

Receive Funds

Close deals quickly with our rapid funding.

Recently Funded Deals

Property Type: Single Family

  • Total loan amount funded: $115,000

  •  House purchased price: $75,000

  • House rehab price: $40,000

  •   Loan Product: Fix and Flip

  • Property Type: Single Family

  • Total loan amount funded: $90,000

  •  House purchased price: $60,000

  • House rehab price: $30,000

  •   Loan Product: Fix and Flip

  • Property Type: Single Family

  • Total loan amount funded: $100,000

  •  House purchased price: $60,000

  • House rehab price: $40,000

  •   Loan Product: Fix and Flip

  • Hear From Our Clients

    We have been extremely grateful for how simple and fast Y2 Lending has been to work with. We have done a transactional funding deal and a few fix and flips with Y2 Lending. Using 10+ different hard money lenders and private lenders in the past, Y2 Lending has by far been the best to work with, easy to communicate with and very dependable.

    Ryan A.

    CC Home Solutions, LLC

    Working with Y2 lending helped me get my deal closed fast. I called Eugene and within 7 days I had funded my project. He was flexible on lending terms based on the performance of the project and has been a pleasure to do with throughout the entire process. I will definitely use Y2 Lending again and definitely recommend to other investors.

    Johnoson C.

    Grab The Map, LLC

    Y2 lending really helped my business with our financial goals. I worked with Eugene and he was incredibly professional. Everything was on time, he showed great character, and overall made the experience really easy. Every time I even have the possibility of a lending situation I consult Y2 lending first. Y2 lending and Eugene really are amazing!

    Ryan S.

    Cinch Realty Group Inc

    Get Approved and Receive Term Sheet Same Day!

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    *If we get you approved but fail to close the loan due to our mistake, we'll send you $500 for your time. However, this guarantee does not apply if the borrower is uncooperative or does not meet the necessary requirements.

    Loans subject to approval. Terms and conditions apply. Not all applicants will qualify.

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