Construction Loans Ground Up in Santa Rosa County Florida
Florida Fix and Flip Loans offers fast and flexible Construction Loans Ground Up in Santa Rosa County, Florida. If you’re planning to build new investment properties—whether single-family homes, duplexes, or small multifamily units—we provide private capital with no income documentation and minimal red tape.
Ground Up Construction Loan Program
Our ground-up construction loans cover land acquisition, construction costs, soft costs, and permits. Loans are structured for staged draw releases and can close in as little as 10–14 days.
Program Highlights:
- Up to 90% Loan-to-Cost (LTC)
- 12–24 month terms
- Interest-only payments
- Rehab and new builds eligible
How to Qualify
To qualify for a construction loan in Santa Rosa County, investors should:
- Provide a construction budget and timeline
- Have site control or a land purchase contract
- Share a clear exit strategy
- Have basic development or investment experience
Property Types Eligible
- Single-family residences
- Duplexes, triplexes
- Townhomes and small multifamily buildings
Local Expertise in Santa Rosa County and Beyond
We serve investors across Florida, including Santa Rosa County and nearby cities like Pensacola, Milton, Gulf Breeze, and Crestview. We understand Florida building codes, permitting timelines, hurricane mitigation, and investor needs in zip codes such as 32563 and 32570.
Why Choose Private Construction Loans Over Banks?
Close in 10–14 days
Designed for real estate investors and developers
Flexible draw schedules
No income or tax returns 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