Construction Loans Ground Up in Columbia County Florida
Florida Fix and Flip Loans provides investor-friendly ground-up construction loans in Columbia County, Florida. Whether you’re building new single-family homes in Lake City or launching a small multifamily project in Fort White, we offer fast funding tailored to your timeline and project goals.
Loan Program Overview
Our construction loans are asset-based and require no tax returns or W-2s. We fund land acquisition and vertical construction, with draws based on real progress—not red tape. Perfect for investors, builders, and contractors ready to break ground fast.
How to Qualify
Submit your construction plans, itemized budget, contractor bid, and estimated after-construction value (ARV). We work with both experienced and first-time developers who have viable projects, timelines, and clear exit strategies such as sale or refinance.
Property Types Eligible
We finance new construction for:
- Single-family residences
- Duplexes, triplexes, and fourplexes
- Townhomes and condos
- Small multifamily properties (5–20 units)
- Mixed-use residential projects
Fast Closings & Flexible Terms
Get pre-approved in 24 hours, receive a term sheet in 1 business day, and fund your deal in as little as 7–10 business days. No lengthy bank underwriting or red tape. Close fast and break ground on schedule.
Local Lending in Columbia County
We’ve helped fund 1,000+ ground-up projects across Florida. Our team understands Columbia County’s building permit process, inspection timelines, and rural zoning issues in areas like Lake City, Ellisville, and Fort White. We also monitor hurricane-proof construction codes and land use guidelines to keep your build on track.
Why Choose Private Lending Over Banks?
Interest-only payments during the build phase
Designed for distressed or time-sensitive lots
Flexible draw schedules based on actual progress
Local underwriting and construction expertise
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