Ground-Up Construction Loans in Okaloosa County, Florida
At Florida Fix and Flip Loans, we specialize in private construction loans for ground-up projects across Okaloosa County, Florida. Whether you’re building a new single-family residence, duplex, townhome, or small commercial property, our fast and flexible loan programs are designed for real estate investors seeking capital without the red tape of traditional banks.
Loan Program
Our ground-up construction loans provide funding for land acquisition, permitting, and vertical construction. We fund based on the after-completed value (ACV) and support phased draw schedules tied to project milestones. No income documentation is required, and credit score flexibility allows faster approval.
How to Qualify
– Clear exit strategy (sale or refinance)
– Preliminary construction budget and timeline
– Site control or contract for land acquisition
– Experience with new builds is preferred but not required
Property Types Eligible
– Single-family residences
– Duplexes and triplexes
– Townhomes and spec homes
– Light commercial structures
Fast Closings & Flexible Terms
We can close loans in as little as 7–14 business days. Our digital draw process ensures fast disbursements, keeping your project moving on time and within budget.
Local Lending Knowledge in Okaloosa County
Our team understands the unique permitting and inspection processes in cities like Crestview, Niceville, and Fort Walton Beach. We help you navigate construction risk in hurricane zones and comply with Florida’s strict building codes and timelines.
Why Choose Private Construction Loans Over Banks?
Close in weeks not months
Flexible draw schedules and less bureaucracy
Based on asset value, not borrower profile
No income documentation required
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.