Ground-Up Construction Loans for Real Estate Investors in Pinellas County
Florida Fix and Flip Loans specializes in fast, flexible Construction Loans Ground Up in Pinellas County Florida. Whether you’re building single-family rentals, duplexes, or small multifamily properties, our ground-up loan programs are tailored to help you succeed — from land acquisition to vertical construction.
Who We Serve
We provide construction financing to licensed builders, real estate investors, and developers in Pinellas County and surrounding areas including St. Petersburg, Tampa, Clearwater, and Largo. We also work with out-of-state investors building in Florida’s high-demand markets.
How to Qualify
- Control or are under contract to purchase the land
- Have a licensed GC or are an approved builder yourself
- Provide scope of work, budget, timeline, and exit strategy
- Pass basic background and project review (no income docs required)
Property Types Eligible
- Single-family spec homes
- Duplexes, triplexes, or small multi-unit buildings
- Small commercial/mixed-use builds
Fast Closings & Flexible Terms
Our draw schedule is milestone-based and fully digital, making it easy to access funds as you hit key stages like foundation, framing, rough-ins, and completion. We fund within 10–14 days of receiving your deal package.
Local Lending Expertise
With 1,000+ investment loans funded across Florida, we understand local zoning, flood risks, hurricane code compliance, and permitting timelines in Pinellas County. Whether you're near Clearwater Beach or building in inland zones like Largo, our team offers real-time support tailored to Florida's unique conditions.
Why Choose Us Over Banks?
Close in weeks, not months
Flexible on credit and income
Experienced with distressed or unpermitted land
No W-2s 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.