Understanding the Transition from Fix and Flip Loans to DSCR Financing

A real estate investor recently approached Cure Capital Solutions seeking financing to acquire and renovate a townhome in Hialeah, Florida. The project required $350,000 for acquisition and an additional $50,000 for renovations, making a short-term fix-and-flip structure the most efficient path forward. Our team quickly sourced and structured the appropriate bridge financing, allowing the investor to close on the property, complete the rehab, and position the asset for long-term performance.

Following completion of the improvements, the investor successfully stabilized the property by securing a qualified tenant and generating consistent rental income. With the project fully renovated and leased, Cure Capital Solutions executed the second phase of the strategy—refinancing the bridge loan into a long-term DSCR (Debt Service Coverage Ratio) loan. This transition enabled the investor to replace short-term financing with more favorable terms aligned with rental cash flow, improving overall project profitability and liquidity.

This case highlights the importance of pairing fix-and-flip bridge financing with an exit strategy into DSCR rental financing, a structure commonly used by real estate investors across Florida to scale portfolios efficiently. Cure Capital Solutions specializes in guiding investors through each phase—from acquisition and rehab funding to stabilization and long-term refinance—delivering financing solutions designed to support both immediate execution and sustainable portfolio growth.