Florida Wholesaling & Investing 101: The Right Way

Florida is hot — and I’m not just talking about the weather. Population growth, out-of-state migration, and investor demand have made this one of the top markets in the country. According to the latest U.S. Census data, Florida added nearly 300,000 new residents in 2024 alone, and metros like Tampa, Orlando, and Miami continue to post some of the strongest housing demand in the nation.

That’s why you keep hearing about wholesaling and investing in Florida on BiggerPockets and in investor circles. The opportunities are real. The problem is, a lot of beginners rush in without knowing how the business really works — and they burn bridges before they build wealth.

I’ve done these deals. I know what works here. And today, I’m walking you through wholesaling in Florida — the right way.

What Wholesaling Is (and Isn’t)

Wholesaling is simple in theory: you find a motivated seller, get the property under contract at a good price, then assign that contract to another investor for a fee.

Think of it as matchmaking — you connect sellers who need to move a property with investors who want their next deal. You don’t need to buy the house yourself, but you do need to know how to structure the deal.

Here’s what wholesaling isn’t:

• It’s not a get-rich-quick scheme.

• It’s not flipping without money.

• It’s not something you can do long-term if you cut corners.

The people who win in this business build relationships, protect their contracts, and play the long game.

How It Works in Florida

The basic steps:

1. Find a property – usually off-market, distressed, or where the seller has motivation to move quickly.

2. Negotiate and sign a contract – make sure it’s assignable under Florida law.

3. Line up your end buyer – often an investor who flips or rents.

4. Assign the contract – transfer your rights for a fee.

5. Get paid at closing – you collect your assignment fee when the deal closes.

   
   

The Florida Twist

• Assignment contracts are legal here, but you need to disclose your role clearly.

• Equitable interest matters – you must actually have a contract before marketing a deal.

• Transactional funding is sometimes needed if you do a “double close.”

• Title and escrow companies vary — some won’t handle assignments, so know your partners.

Doing it “the right way” means being transparent, staying compliant, and protecting yourself and your buyers.

Common Mistakes to Avoid

Beginners in Florida often run into the same issues:

• Marketing properties without a valid contract (illegal).

• Using one-page contracts found online that don’t hold up.

• Promising sellers the world without investor buyers in place.

• Burning investor lists by blasting deals that aren’t real deals.

I’ve seen people ruin their reputation before they even get started. That’s why I stress this: wholesaling is a business. Treat it like one.

Why Florida Is Prime for Wholesaling

Let’s look at a few stats:

• Florida is the fastest-growing state for population two years in a row.

• Median home prices rose nearly 4% year-over-year in 2024, even as rates climbed.

• Investors accounted for nearly 20% of all home purchases in metros like Tampa and Jacksonville.

• Rent growth in Orlando and Miami is still among the top 10 in the country.

BiggerPockets constantly highlights Florida as an investor hot spot — and for good reason. More people moving here means more demand for housing, which means more opportunity for creative deal-making.

Your Rolodex Is Your Real Wealth

Here’s the truth: wholesaling isn’t just about contracts — it’s about contacts. The best wholesalers in Florida all have one thing in common: a strong rolodex.

• Investors – the buyers you can assign contracts to.

• Sellers – motivated property owners who trust you to move fast and keep your word.

• Title & escrow partners – the companies that actually close your deals (and not every title company in Florida does assignments).

• Contractors & agents – help you evaluate deals and build credibility.

Wholesaling is a people game first, paperwork game second — but you need both.

Forms That Protect Your Deals

I’ll be straight with you: the wrong paperwork can kill your deal before it starts. Over the years, these are the core forms I’ve relied on to wholesale properly — and also to buy from wholesalers myself:

• Assignable Contract – the foundation of every wholesale deal. Must be drafted correctly so you have the right to assign.

• Addendum for Assignor & Assignee – clarifies the relationship between you (the wholesaler) and the investor taking over the deal.

• Lender Authorization to Release Form – critical when you need to verify loan or payoff info directly with the lender.

• Memorandum of Contract – lets you record your interest in the property to protect your deal from being cut out.

• Owner Disclosure – keeps the seller transparent and ensures you know about issues before they blow up a deal.

• Limited Power of Attorney – gives you authority to act on certain matters for the property, especially useful in sticky title or lender situations.

• Release & Cancellation – the clean way to walk away if the deal truly can’t close.

These aren’t “nice to haves.” In Florida wholesaling, they’re the difference between a smooth closing and a lawsuit waiting to happen.

Beyond Wholesaling

Wholesaling is the on-ramp. But the real game? It’s what comes after:

• Fix-and-flip for bigger profits.

• Buy-and-hold rentals for cash flow.

• Commercial and multifamily investing for scale.

I’ll be covering each of these in upcoming blogs and videos. The key is to start small, learn the process, and build toward wealth.

Final Word

If you’re a seller, I can help move your property fast. If you’re an investor, I’m open to JV partnerships on real deals with real profit splits. And if you’re just starting out, stay connected — I’ve got more content coming that’ll take you from beginner to investor step by step.

👉 Join my Justin Florida Investor Summit (JFIS) — Where Deals Meet Capital and Experience.

👉 Subscribe on YouTube and follow along as I break down real deals in Florida.

👉 Reach out if you’re ready to partner.

Because in Florida wholesaling and investing — if you do it the right way — the opportunity is wide open.

#TheMustangLawyer