Ground-Up Construction Loans in Walton County Florida
Florida Fix and Flip Loans offers specialized ground-up construction loans in Walton County, Florida, designed for real estate investors building residential or mixed-use properties from the ground up. Whether you’re developing in Santa Rosa Beach or expanding near Freeport, our fast, flexible financing helps you get shovels in the ground faster—with no income verification required.
Ground-Up Construction Loan Program
Our construction loan program is structured for developers, builders, and investors tackling new build projects. We provide asset-based loans with customizable draw schedules and interest-only payments, allowing you to manage your project cash flow more efficiently.
Key Loan Highlights:
- Loan amounts: $250K to $10M+
- Up to 75% Loan-to-Cost (LTC)
- Terms up to 18 months
- Interest-only during construction
- Local draw inspections and fast disbursements
How to Qualify
To qualify in Walton County, you’ll need:
- Land under contract or owned
- Construction budget and timeline
- Building plans and permits
- Exit strategy (sale, refinance, hold for rental)
- Experience is preferred but not required
Property Types Eligible
- Single-family homes
- Townhomes
- Duplexes, triplexes, and quads
- Small multifamily buildings
- Mixed-use and light commercial builds
Fast Draws and Closing Timelines
We close construction loans in as little as 10–14 business days. Our Florida-based draw inspectors provide timely reports so you can receive disbursements aligned with your construction milestones.
Florida Construction Lending Expertise
Florida Fix and Flip Loans has funded 1,000+ real estate investment projects across Florida—including coastal builds in hurricane zones, flood-prone areas, and rural development tracts. We understand Walton County permitting laws, zoning regulations, and insurance issues unique to Florida’s Gulf Coast region. Serving real estate investors across Florida—from Miami to Jacksonville.
Why Choose Private Construction Loans Over Banks?
Rehab, teardown, or infill lot experience not required
Close faster with fewer documents
Interest-only payments during the build
Custom terms based on your timeline and exit
Easier approval for non-W2 borrowers
Compliance, Licensing, and Investor Trust
Our team includes licensed loan officers and NMLS-registered private lenders. We’re fully compliant with Florida lending laws, CCPA, and GDPR privacy guidelines. We provide transparent terms, honest underwriting, and Florida-local expertise you can count on.
Start Your Ground-Up Project 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