Construction Loans Ground Up in St. Johns County Florida
Florida Fix and Flip Loans offers reliable ground-up construction loans for real estate investors and builders in St. Johns County, Florida. Whether you’re starting from raw land or rebuilding an outdated property, our private lending programs provide fast capital and flexible terms tailored to Florida’s construction environment.
Bridge Loan Program
Our construction loans are designed for investors building residential or small commercial properties from the ground up. We fund shovel-ready projects, teardown-rebuilds, and new developments that need fast capital and minimal red tape.
Program Highlights:
- Up to 75% Loan-to-Value (LTV)
- Fast draw release for each construction milestone
- Close in 10–14 business days
- Interest-only payments during construction
- No tax returns or W-2s required
Why Choose Private Construction Loans Over Banks?
Unlike traditional lenders, we don’t delay your project with income verification or strict underwriting. Our ground-up construction loans are tailored to fit your budget, build schedule, and investor goals.
How to Qualify
To qualify, you’ll need a detailed scope of work, budget, and exit strategy. Prior experience helps, but we welcome investors with solid plans and realistic timelines. We’ll evaluate the land value, build costs, and projected after-construction value.
Property Types Eligible
– Single-family home construction
– Duplexes, triplexes, and fourplexes
– Detached ADUs and in-fill lots
– Small commercial or mixed-use buildings
– Residential new developments
Fast Draws and Closings
We understand construction timelines and permitting delays. Our loans are structured for speed and flexibility, with fast draw releases, milestone-based inspections, and Florida-based teams who know how to keep projects moving.
Trusted Lending for Florida Developers
Florida Fix and Flip Loans has funded over 1,000 real estate investment projects across the state, including St. Johns County, Jacksonville, Orlando, Tampa, Fort Lauderdale, and Cape Coral. Our team understands Florida building codes, insurance hurdles in hurricane zones, permitting processes, and timeline constraints.
Advantages of private construction loans
Faster approvals for investors and builders
Close in 10–14 days
Flexible loan-to-cost structures
Draws based on completed work
No income documentation
Local Scope of Work and County Requirements
We work with draw inspectors and title agents who understand St. Johns County’s permitting and building inspection process. Common scopes include site clearing, grading, foundation, vertical framing, roofing, electrical, plumbing, and final inspections before certificate of occupancy issuance.
Ready to Break Ground?
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