Question Florida Investors: Typical Structure for Short-Term Capital on Fix & Flip

[Jorge Torres]

Hey everyone,

I’m working on a retail fix-and-flip in Central Florida using a hard money lender (90% purchase / 100% rehab), and I’m structuring the remaining capital stack.

For those of you who’ve done similar deals, I’d love to learn how you typically structure short-term capital used for down payment and closing costs on these types of projects.

A few questions for the group:

• Do you usually see this structured as a flat return or an annualized return?

• What ranges are common for a ~6-month target hold?

• From an investor’s perspective, what are the most important things you look for when evaluating a deal like this (structure, downside protection, timeline, operator experience, etc.)?

Appreciate any insight from those with experience — always helpful to hear how others approach these.

Thanks in advance.
— Jorge