Construction Loans Ground Up in St. Lucie County Florida
Florida Fix and Flip Loans provides ground-up construction loans for builders, developers, and real estate investors in St. Lucie County, Florida. Whether you’re developing a new residential property, a duplex, or a small commercial build, we offer fast, flexible funding with no income verification and minimal red tape.
Ground-Up Construction Loan Program
Our private construction loans are tailored for investors seeking to build from the ground up. We fund shovel-ready residential and small commercial projects with flexible draw schedules and fast inspections to keep your build on schedule.
Program Highlights:
– Loan amounts from $150K to $5M+
– Up to 75% Loan-to-Cost (LTC)
– 6–18 month terms with interest-only payments
– No tax returns or W-2s required
– Draws based on project milestones
Private Construction Loans vs. Bank Loans
Bank construction loans can take months and require extensive documentation. Our private loans fund faster, with simplified underwriting and investor-friendly terms.
How to Qualify
We approve projects based on land value, construction scope, and resale or rental potential. You’ll need a clear budget, timeline, and exit plan. Experience is helpful but not required—we fund both seasoned and new investors.
Property Types Eligible
– Single-family homes and duplexes
– Triplexes and fourplexes
– Detached ADUs and infill lots
– Small mixed-use and commercial builds
– Raw land zoned for residential or light commercial use
Fast Closings and Local Draws
We close construction loans in as little as 10–14 business days. With local title partners and inspectors in St. Lucie County, we ensure each draw is fast and reliable—so your contractors can keep building without delays.
Local Expertise in St. Lucie and Across Florida
Florida Fix and Flip Loans has funded over 1,000 construction and rehab projects across the state. From Miami to Orlando to St. Lucie County, we understand local permitting laws, draw inspections, and hurricane-zone construction requirements.
Why choose private lending
Ideal for investors and developers with multiple projects
Fast closings and flexible draws
Rehab and ground-up funding options
Designed for Florida construction timelines and risks
No income or employment verification
Scope of Work and Local Building Insights
We finance the full construction cycle—from clearing and grading to foundations, framing, roofing, MEP (mechanical, electrical, plumbing), and final inspections. Our draw process aligns with local inspection checkpoints, ensuring smooth cash flow and compliance.
Ready to Build? Let’s Fund Your Project
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