Ground-Up Construction Loans in Santa Rosa County Florida
Ground-Up Construction Loan Program
Florida Fix and Flip Loans offers tailored ground-up construction financing for real estate investors in Santa Rosa County, Florida. Whether you’re building a new single-family residence, duplex, or commercial investment property, our loans are designed to provide fast, flexible capital without traditional income documentation requirements. We evaluate the deal—not your credit score or tax returns.
Benefits Over Banks
Unlike traditional banks, we don’t require tax returns, W-2s, or employment verification. Our underwriting is based on asset value and project viability. We offer flexible draw schedules and interest-only payments during the build-out phase, giving you more control and cash flow flexibility.
How to Qualify
To qualify, submit your deal scenario including property address, land purchase price (if applicable), construction budget, estimated ARV, and your exit strategy. We issue same-day feedback and can fund projects in as little as 7–10 business days.
Property Types Eligible
– Single-family homes
– Duplexes and triplexes
– Mixed-use commercial properties
– Townhome developments
– Modular or manufactured homes (with foundations)
Fast Funding Timelines
Speed is critical in real estate development. Our streamlined process allows for underwriting in 24–48 hours with funding available within 7–10 business days once title, insurance, and contractor documents are submitted.
Why Private Construction Loans Beat the Banks
Bank loans come with rigid requirements and slow approvals. Our ground-up construction loans are designed for speed and flexibility. We understand local permitting delays, hurricane-resistant building code requirements, and zoning inspections that are common in Santa Rosa County. That’s why investors from Miami to Jacksonville trust us.
Serving Santa Rosa County and Beyond
We’re proud to serve investors building across Santa Rosa County—from Milton to Gulf Breeze and Navarre. We also fund deals in surrounding areas including Pensacola, Tallahassee, and the Florida Panhandle region.