Fix and Lease Loans in Tampa, Florida

Rehab now. Rent later. Build long-term cash flow with flexible investor financing.

At Enrique & DKC Lending, we help investors purchase and rehab properties to keep as rentals. Our Fix & Lease program combines the flexibility of a fix-and-flip loan with the stability of a long-term refinance, giving you the freedom to build equity and recurring income.

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Over $100 M in investor loans funded | Trusted nationwide.

(706) 844-3723

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Our Fix and Lease Loans Program

Private Capital Fix & Lease Loans

For investors who want to buy, rehab, and rent quickly — without credit or income verification.

No credit or income verification
Based on as-is value
Up to 70 % LTV
Interest: 1 % per month (interest-only)
4 points at closing
Funding i n48–72 hours
No prepayment penalties
Ideal for quick rehabs and short-term holds

Institutional Fix & Lease Loans

Designed for investors who want longer terms and credit reporting benefits.

650 + credit score required
80–90 % LTV (as-is + rehab)
Rates starting ≈ 7–8 % (30-year DSCR loan)
3–4 points at closing
Funds for rehab available up to 100 %
Reports to credit bureaus
No prepayment penalties
Nationwide lending

Why Investors Choose Enrique Bello & DKC Lending

Rehab + hold financing simplified /
Fast closings
Asset-based approvals
No bank bureaucracy
Nationwide lending

We help investors transition from flips to financial freedom

How Investors Use Fix and Lease Loans

Purchase distressed property and rehab for rental income
Stabilize tenant cash flow
Refinance into long-term DSCR loan
Repeat (BRRRR model)

TESTIMONIALS

What People Say About Our Fix and Lease Loans

I'm a Realtor in North West Florida. I just closed my first deal with Enrique it was a great experience. He helped my customer feel comfortable and at ease. I will definitely continue to do business with Enrique and DKC Lending.

Thank you for how you helped out my customer.

Very satisfied with their amazing services, support and guidance provided. This awesome group of leaders helped me to level up our company business in less than 6 months and now all our transactions and partners business has been completed through DKC. Huge shoutout to Enrique our loan manager for his outstanding work!

Enrique is amazing to work with! He is patient, communicative and very descriptive. His clients become like family. I recommend all of my investors to him for any lending needs. Marta their processing goes above and beyond in all her transactions and knows her stuff!

It was a pleasure to work with Enrique and his DKC Lending Team. He was excellent in communication and explaining every step of the way.

I have worked Enrique Bello and his team on numerous cases, he makes the process easy and most importantly understandable. Great lender and would work with him again!

I contact Enrique and 2 days later the deal was closed. Funds were in my account same day we closed and the process was easy and direct. DKC Lending is my new lender of choice.

Benefits of working with me:

Speed: Approval in hours, not months.
Flexibility: We evaluate the project, not just your credit history.
Transparency: No hidden fees. All costs are explained upfront.
Personalized Service: Direct contact with the decision-maker, not a call center.
Industry Expertise: We know the Fix and Lease market inside and out.

How It Works:

Step 1: Apply Online, Fill out our short form in just 2 minutes.
Step 2: Property Evaluation We'll analyze your property's current value and its potential value after repairs (ARV).
Step 3: Fast Approval Receive a pre-approved offer within 24-48 hours.
Step 4: Closing & Funding Sign the documents and get your funds in less than 7 days.

Understanding the importance of securing the necessary funds to achieve your investment goals. With my fix-and-lease loans, I offer funding for up to 70% of the purchase price, allowing you to acquire properties with minimal out-of-pocket expenses. This high loan-to-value (LTV) ratio provides you with the financial flexibility to invest in properties that have significant potential for value appreciation.”

“Renovations are a vital part of increasing a property’s value and attracting quality tenants. Recognizing this need, lending institutions offer funding up to 50% of the renovation costs. Whether property owners plan to make minor cosmetic upgrades or undertake major overhauls, fix-and-lease loans provide the resources needed to transform a property into a desirable rental space. This funding ensures that property owners can maximize the property’s potential and achieve optimal tenant occupancy.

Real estate investment strategies can vary greatly, which is why lending institutions provide flexible loan terms ranging from 8 months to 24 months. This allows investors to customize the duration of the loan to align with their investment goals, whether they prefer a shorter term for a quick turnaround or a longer term to optimize their return on investment. Adjustable loan terms give investors the flexibility to plan and execute fix-and-lease projects according to their specific needs.

Understanding that profitability is a key consideration for real estate investors, lending institutions offer competitive interest rates ranging from 10% to 13% on fix-and-lease loans. By providing interest-only payments, investors are offered the opportunity to allocate their funds effectively during the renovation and leasing process, reducing the financial burden of hefty monthly payments. Competitive rates ensure that investors can maximize their potential returns and enhance the profitability of their real estate investments.

Believing in transparency and simplicity throughout the borrowing process, lending institutions charge consultation fees ranging from 2% to 4%, ensuring borrowers have a clear understanding of the costs involved. This commitment to transparent pricing ensures borrowers can make informed decisions while minimizing any unexpected fees or charges. The aim is to create a seamless borrowing experience that allows borrowers to focus on their property renovation and leasing projects without unnecessary financial complexities.

Financial Success Solutions

Customize Your Real Estate Investment Journey

With fix-and-lease loans, real estate investors in Florida can unlock the potential of their investments with tailored financing solutions. High LTV funding, flexible Fix and Lease loan terms, competitive interest rates, and transparent consultation fees enable investors to transform properties, attract quality tenants, and achieve profitable returns.

Whether investors are seasoned or just starting their real estate journey, lending institutions are here to support investment objectives and help maximize the full potential of rental properties. Contact us today to explore how lending institutions can help seize the opportunity to grow a real estate portfolio and create a profitable rental business.

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What is a Fix and Lease loan?

A Fix and Lease loan is a short-term financing solution designed for real estate investors who want to purchase, renovate, and hold a property as a rental. After completing the renovations and leasing the property, investors can refinance into a long-term loan, such as a DSCR loan, to generate ongoing rental income.

Who qualifies for a Fix and Lease loan?

Fix and Lease loans are available to real estate investors purchasing non-owner-occupied properties. Private capital programs may not require credit or income verification, while institutional loan programs generally require a minimum credit score of 650. Approval depends on the loan program and the investment property.

How much can I borrow with a Fix and Lease loan?

Loan amounts vary depending on the financing program. Private capital loans can provide up to 70% loan-to-value (LTV) based on the property’s current value, while institutional loans may finance up to 80–90% of the purchase price and rehab costs, with renovation funding available up to 100% in eligible cases.

How quickly can I get funding for a Fix and Lease loan?

Many Fix and Lease loans can be approved and funded within 48 to 72 hours after the required documentation is submitted. This fast funding helps investors secure competitive deals and begin renovations without unnecessary delays.

Can I use a Fix and Lease loan for the BRRRR strategy?

Yes. Fix and Lease loans are ideal for the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) investment strategy. Investors purchase and renovate a property, lease it to tenants, refinance into a long-term rental loan, and then use the recovered capital to acquire additional investment properties.

Do Fix and Lease loans include renovation financing?

Yes. Depending on the loan program, renovation costs may be partially or fully financed. Institutional loan options can provide up to 100% rehab financing for qualified borrowers, making it easier to improve rental properties without significant upfront capital.

What are the advantages of choosing Enrique Bello for Fix and Lease loans?

Enrique Bello and DKC Lending offer fast closings, flexible asset-based approvals, nationwide lending, transparent loan terms, and personalized support throughout the financing process. Their goal is to help investors build long-term wealth by purchasing, renovating, and holding profitable rental properties.