Construction Loans Ground Up in Monroe County Florida
Ground-Up Construction Loans in Monroe County
Florida Fix and Flip Loans offers private financing for ground-up construction projects throughout Monroe County, Florida. From Key West to Marathon, we help real estate investors, builders, and developers secure fast funding to break ground on residential or mixed-use properties. Our loans are structured to match local permitting timelines, zoning complexities, and hurricane zone insurance compliance.
How to Qualify
To apply, submit the site address, blueprint or architectural plans, licensed GC information, build budget, and projected value. We prioritize project feasibility and land value over personal income or credit. Same-day pre-approval is available for shovel-ready sites.
Property Types Eligible
– Single-family homes
– Duplexes, triplexes, and fourplexes
– Multi-family up to 20 units
– Mixed-use developments
– Coastal and flood zone projects with permit approval
– Build-to-rent and build-to-sell properties
Fast Funding Timelines
Our construction loans close in as little as 10–14 business days. We offer flexible draw schedules that align with building milestones—site prep, foundation, vertical construction, inspections, and finish-out. We’re experienced in working around the unique challenges of the Florida Keys.
Serving Builders Across Monroe County and Beyond
Florida Fix and Flip Loans has funded 1,000+ construction and rehab deals statewide. We understand the pace of permitting, the challenges of building in hurricane zones, and the zoning intricacies of Monroe County’s cities and unincorporated areas. From Key Largo to Big Pine Key, we help investors build confidently.
Why Choose Private Construction Loans Over Banks?
Quick closings without tax returns or income docs
Loans for land + construction in one package
Support for first-time builders or developers
More flexible LTV and draw terms
Local underwriting that understands flood zones and permitting restrictions
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals.