Florida New Construction Loans for Investors
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grow your business.
grow your business.
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Instant term sheets. No income docs required.
Ground-up construction loans for Florida builders and investors in Jacksonville, Orlando, and Tampa.
Accelerate Your Florida Build Pipeline
Are you an experienced Florida builder who can build more — but lack the funding to do so? LYNK Mortgage offers new construction loans on permit-ready single- and multi-property residential projects, with rates from 9.50%, terms up to 18 months, and a draw process designed for builders. Highlights include:
Loan-to-value up to 70% ARV
Loan-to-cost up to 85% LTC
Loan terms up to 18 months
Flexible Loans for Builders
The real estate market moves fast, and having access to reliable construction financing can give you the competitive edge you need to succeed. At LYNK Mortgage, we're committed to providing investors with the tools, funding, and expertise to transform neighborhoods and achieve exceptional returns with the best construction loans available in Florida.
Borrow With Confidence
LYNK Mortgage has funded over $1 billion of construction loans for projects just like yours. As a trusted direct lender, we bring years of experience and personalized service to every loan, giving you confidence that you are partnering with a team of experts who understand your real estate investment goals.
Make More Money
Construction loan interest rates in Florida from 9.50%
Get Started Now
Start your construction project with the financing you need today. Get pre-approved in minutes with our online application - or call us at 407-476-2500.
Where We Lend
AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV
What's Special About Florida?
Florida's building permit activity ranks among the highest in the nation, driven by population growth and a housing deficit that new construction is working to close. From spec homes in Cape Coral and Port St. Lucie to infill townhome projects in Tampa and Jacksonville, builders across the state are meeting demand that existing inventory can't satisfy.
Building in Florida requires navigating wind load engineering standards, Florida Building Code energy requirements, and in many areas, flood zone construction standards that dictate foundation types and minimum elevation. These factors add cost compared to non-coastal states, and your budget needs to account for them. Labor availability has improved from the extreme tightness of recent years, but skilled trades remain in demand across the state's busiest markets.
Florida's port access helps keep lumber, concrete, and finishing materials competitively priced. The state's year-round building season eliminates the weather-driven construction pauses that plague northern markets, giving Florida builders a significant timeline advantage.
Florida has the most stringent residential wind-load building code in the country, and that single fact shapes nearly every cost decision on a Florida ground-up build. The Florida Building Code's 2017 update tightened impact-rated opening requirements and tied wind-zone designations more explicitly to county wind-speed maps — meaning a build in Lee County, Miami-Dade, or coastal Pinellas carries materially different framing, sheathing, and opening costs than an Orlando or Ocala build twenty miles inland. Builders new to Florida frequently underbudget this; experienced Florida operators price it line-by-line.
Permit speed in Florida varies more by county than perhaps any other state in our footprint. Miami-Dade and Broward routinely run multi-month permit timelines and require HVHZ (High-Velocity Hurricane Zone) product approvals on top of base FBC compliance. Polk, Lake, Pasco, and Marion counties are dramatically faster — often weeks rather than months for a single-family permit. STR-friendly markets like Kissimmee, Davenport, and parts of the Panhandle add an exit-strategy dimension; many Florida spec builds are sized and finished with short-term rental conversion as a credible plan B.
Florida New Construction Loan Terms
Interest rate
From 9.50%
Max loan-to-cost (LTC)
85%
Max loan-to-value (LTV, ARV basis)
70%
Loan term
Up to 18 months
Draws
Online, inspection-based, 2–5 day funding
Project types
Single- and multi-property residential
Typical close time
7–15 days
Florida Construction Loan Borrower Requirements
Citizenship
U.S. citizen or permanent resident. Foreign-national borrowers considered case-by-case.
Entity
LLC or corporation only — no owner-occupied loans. Out-of-state LLCs work when registered locally.
Credit
Minimum FICO 680. Best pricing at 720+. Stronger files get higher LTC.
Experience
Documented prior new-construction completions strongly preferred. First-time builders considered with a qualified GC.
Permit-ready
Approved plans, permits in hand or in process, and a clear line-item budget.
Liquidity
Enough to cover down payment, soft costs, and interest reserves through stabilization.
How a Florida Construction Loan Closes
1
Online pre-approval
Minutes. Project address, plans, budget — see your term sheet upfront.
2
Submit deal docs
3–5 days. Plans, permit status, GC info, entity docs, experience summary.
3
Appraisal & underwriting
5–10 days. Subject-to-completion appraisal, budget feasibility review, title.
4
Closing
Day 15 or sooner. Sign at title; initial draw for closing costs and lot acquisition where applicable.
5
Construction draws
Request online by line item. Third-party inspection releases, typically funded in 2–5 business days.
Where We Lend in Florida
We originate new construction loans across Florida, including:
Jacksonville, Tampa, Orlando, Cape Coral, Port St. Lucie, St. Petersburg, Lakeland, Ocala, Kissimmee, Sarasota, Fort Myers, Palm Bay
Not seeing your market? We lend statewide — reach out and we'll confirm coverage.
Our Lending Experts Are Here to Help
Thinking about a new construction project in Florida? Ready to get an approval? We want to make your life easier with our flexible process and knowledgeable staff. Get started with our online pre-approval and you'll be one step closer to a fast closing.
The LYNK Mortgage Difference
Close in 7–15 Days
Human touch, AI speed — AI-assisted underwriting paired with a dedicated loan officer on every build.
Instant Term Sheets
Transparent rates, fees, and draw terms upfront — no surprises.
Easy Draw Process
Simple online draw requests with a dedicated team at every stage.
Multi-Property
Single- and multi-property projects with terms up to 18 months.
Direct Lender
We make our own decisions and fund with our own capital.
$1 billion+ Funded
Trusted by builders and investors with a proven track record.
More From LYNK Mortgage
Frequently Asked Questions
Getting started with a ground-up construction loan from LYNK Mortgage is simple. Begin by completing our online application, which allows us to understand your funding needs. Our process is designed to minimize delays and maximize efficiency so that you can focus on what you do best: building properties in Florida for profit.
Renovation & Construction FAQs
Questions About New Construction Loans in Florida
Copyright © LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
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