Construction Loans Ground Up in Walton County Florida

construction loan

Ground-Up Construction Loans for Real Estate Investors

Florida Fix and Flip Loans specializes in providing ground-up construction loans in Walton County for investors building new residential or mixed-use projects. Our streamlined private lending approach eliminates the red tape and gets capital to your job site fast.

Why Private Construction Loans Beat the Banks

Unlike banks, we don’t require years of tax returns or W-2s, offer rehab-to-construction conversion options, support investor builds in trusts, LLCs, or under contractor entities, and understand Florida permitting delays, weather timelines, and inspections.

How to Qualify

To qualify, you’ll need:
– Lot or land under contract
– Construction plans and contractor bid
– Estimated project budget and ARV
– General contractor or builder information
We offer flexible terms, draw schedules, and underwriting based on the project’s potential—not your income or credit score.

Property Types Eligible

– Single-family new builds
– Small multifamily units (2–20)
– Spec homes and investor builds
– Modular or manufactured new construction
– Coastal or elevated foundation homes (hurricane zone compliant)

Fast Funding Timelines

We fund fast—typically within 7–12 business days of project approval. Term sheets available within 24 hours, with transparent draw schedules managed locally.

Local Expertise in Walton County

Our team works closely with city officials in Freeport, Santa Rosa Beach, and DeFuniak Springs. We understand the planning and zoning boards, inspection wait times, and how hurricane building codes affect your scope and budget.

Private Lending vs Traditional Lending

Access to capital even if you’re a first-time builder

Approval in days

Custom draw structures for your project phases

Flexibility in credit and documentation

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