Construction Loans Ground Up in Highlands County Florida
Looking to build your next investment property from the ground up in Highlands County, Florida? Florida Fix and Flip Loans offers specialized Construction Loans for new residential, commercial, and mixed-use developments. Whether you’re building duplexes, multifamily units, or single-family homes, we fund deals traditional banks won’t touch.

Program Overview
Our ground-up construction loan program is designed for experienced and first-time builders alike. We offer fast funding, no tax return requirements, and flexible draw schedules based on real project progress. Financing is asset-based, meaning your deal—not your credit—is what qualifies you.
How to Qualify
To qualify for construction loans in Highlands County, you’ll need to submit:
– Purchase contract or land title
– Construction budget and scope of work
– Timeline to completion
– ARV estimate and exit strategy
Property Types Eligible
– Single-family residences (SFRs)
– Duplexes, triplexes, and fourplexes
– Multifamily (5–20 units)
– Mixed-use commercial/residential buildings
– Modular or manufactured homes on foundations
Fast Closings & Flexible Terms
Most deals close within 5–10 business days. Our local team understands the permitting and inspection process in Sebring, Avon Park, and Lake Placid.
Local Lending Expertise in High Land County
With 1,000+ projects funded across Florida, we’re trusted from Miami to Jacksonville. We understand the unique zoning, floodplain risks, and seasonal inspection bottlenecks specific to Highlands County.
Why Choose Private Lending Over Banks?
Experienced with distressed or complex deals
Close in 7–10 business days
Interest-only during construction
No income docs 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