Construction Loans Ground Up in Walton County Florida

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