Home > Florida Fix & Flip and Ground-Up Construction Loans
Florida Fix & Flip & Ground-Up Construction Loans
Private real estate financing for Florida investors, builders and developers. Submit your deal once and let DPCG review the property, project budget, requested loan amount, experience, liquidity, timeline and exit strategy to identify potential financing options through applicable lenders, investors and capital providers.
- Fix & Flip and Ground-Up Construction scenarios
- Purchase, rehab, land-owned, construction and refinance situations considered
- Project-specific review instead of a generic online rate quote
- Business-purpose and investment-property financing
- Clear next steps for eligible transactions
Local Market Presence
Secure Process
Secure Information Handling
Private Capital
Potential Placement Options
Human Review
Deal Specific Evaluation
Business Purpose
Investment Property Focus
No Upfront Fee to Submit a Scenario
No fee is charged to submit a preliminary financing scenario to DPCG. Third-party, closing, legal, title, valuation, lender, or other transaction costs may apply depending on the financing structure.
Direct Scenario Review
DPCG reviews the transaction facts and identifies potential financing paths through applicable lenders, investors, and capital providers
Transparent Fee Disclosure
Applicable lender, broker, closing, and third-party costs will be disclosed as required and depend on the transaction and financing source.
Preliminary Deal Review Available
Qualified scenarios may receive preliminary financing feedback after review. Timing varies based on the completeness and complexity of the transaction.
Two Clear Financing Paths for Florida Investors
For investors acquiring, renovating or refinancing Florida investment properties for resale or repositioning.
Purchase + Rehab: Core use case
Owned Property: Refi + renovation
Time Sensitive: Acquisition review
For investors, builders and developers financing Florida projects from land acquisition through completed construction.
Lot Owned: Land Equity Review
Acquire + Build: One Project Plan
Completion: Stalled Project
Florida Fix & Flip & Ground-Up Construction
Loan Terms at a Glance
Compare loan amounts, leverage, rates, construction funding, credit guidelines and closing timelines for Florida investment properties.
Property Types: Single-Family, Multi-Family, Townhomes, Condos & Planned Unit Developments (PUD)
Potential Loan Amount Range
Purchase Price Financing
For qualifying transactions, subject to underwriting and the applicable financing source.
Project (LTC) Leverage
May be available for qualifying transactions, depending on basis, existing equity, borrower contribution, reserves, valuation, and financing source.
Rehab & Construction Costs
May be available for qualifying transactions, depending on basis, existing equity, borrower contribution, reserves, valuation, and financing source.
ARV / As-Completed Leverage
For qualifying transactions, subject to valuation, underwriting, project scope, and financing-source guidelines.
Indicative Rate Range
Actual pricing depends on transaction characteristics, underwriting, market conditions, and financing source and may fall outside this range.
Prepayment
May be available on eligible programs. Final terms depend on the selected financing source.
Indicative Origination / Lender Fee
Actual lender/origination fees and other transaction costs depend on the financing source and transaction.
Potential Term Options
May be available depending on the transaction and financing source.
Credit Review
A preliminary review may not require a hard credit inquiry. Any subsequent credit inquiry or authorization depends on underwriting and the selected financing source.
First-Time Investors May Be Considered
DPCG reviews the property, project budget, borrower contribution, liquidity, project team, and exit strategy.
Expedited Closing May Be Available
Depend on completion of underwriting, title, valuation, insurance, documentation, and other applicable conditions.
Liquidity and Contribution Requirements Vary
Depend on the transaction structure, leverage, project, and financing source. Certain programs may require approximately 20%, where applicable
Alternative Valuation Options May Be Available
Property valuation and collateral review are still required, and requirements vary by transaction and financing source
Construction Draws
Interest may accrue on funds as they are drawn rather than on the full undisbursed construction reserve. Exact draw and interest mechanics depend on the financing source and loan documents.
Asset-Based Evaluation Available
Certain business-purpose programs may place primary emphasis on the property, project, leverage, borrower liquidity, and exit strategy rather than traditional personal-income documentation.
Business-purpose and investment-property financing only. Program terms, rates, leverage, fees, timing, and availability vary by transaction, underwriting, and financing source. No commitment to lend. Final financing is subject to applicable underwriting, valuation, title, insurance, documentation, and financing-source requirements.
Have a Florida deal ready for review?
Start with the property, project type, requested loan amount and closing deadline.
Why Florida Investors Work With DPCG
Real estate investors can lose valuable time submitting the same project to multiple financing companies only to discover that the loan amount, leverage, property type, borrower experience or construction scope falls outside a program. DPCG reviews the complete scenario first – including the property, acquisition or refinance structure, project budget, requested loan amount, borrower experience, liquidity, timeline and exit strategy. For eligible transactions, DPCG can evaluate potential private-capital structures and help organize the file for review. The goal is not simply to display a rate. The goal is to identify a financing structure with a realistic path through underwriting and closing.
Complete Deal Review
Property, basis, budget, request, experience, liquidity and exit.
Potential Capital Structures
Evaluate available paths that may fit the transaction.
Organized Loan Package
Identify missing items and prepare the file for review
Clear Next Steps
Know what information is needed to move the deal forward.
Who This Financing Is For
Built for business-purpose real estate transactions where the property, project scope and exit strategy drive the financing request.
Real Estate Investors
Acquiring, renovating, refinancing or repositioning investment properties for sale or long-term hold.
Builders
Moving from land ownership or acquisition through vertical construction, draws and project completion.
Developers
Managing larger or multi-phase projects where budget, permits, schedule, team and as-complete value matter.
Florida Fix & Flip Financing
For investors acquiring, renovating or refinancing Florida investment properties for resale or repositioning.
- Purchase + renovation
- Property already owned
- Refinance + renovation
- Renovation completion / stalled project
- Time-sensitive investment acquisition
Florida Ground-Up Construction Financing
For investors, builders and developers financing Florida projects from land acquisition through completed construction.
- Lot already owned
- Land acquisition + construction
- Existing land loan refinance
- Construction completion / stalled project
- Build-to-sell or eligible build-to-rent
Tell Us About Your Florida Fix & Flip or Construction Project
Already Have Terms?
Already have a term sheet or preliminary quote? Include it with your scenario. DPCG can review whether another available structure may improve an important part of the transaction such as pricing, leverage, cash-to-close, term or execution. No representation is made that DPCG will be able to improve existing financing.
Closing Deadline or Lender Fell Out?
Have a property under contract, a closing deadline, or a financing source that changed terms? Call DPCG and provide the property, requested loan amount, project budget and required closing date so the team can determine whether the scenario may fit an available structure.
First-Time Investor
First project? Some financing sources may consider borrowers with limited prior Fix & Flip or construction experience depending on the project, leverage and overall borrower profile.
Experienced Investor / Builder
Already know your numbers? Send the property, basis, requested loan amount, project budget, ARV or as-complete value, experience, liquidity, closing date, and exit strategy for a complete scenario review.
What We Review
The initial review should quickly show the economics of the transaction, the borrower profile and the planned path to repayment.
Property & Basis
Purchase price, current basis, existing debt, as-is value and property status.
Project Budget
Rehab or construction budget, contingency, work completed and remaining scope.
Borrower Profile
Experience, available liquidity, contribution, contractor or development team.
Exit & Timeline
ARV/as-complete value, sale or refinance exit, permit status and closing deadline.
How the Process Works
We make it easy to get the right financing for your Florida real estate project. Here’s how the process works from start to finish.
Submit Deal Facts
Project type, location, requested amount and closing deadline.
Add Project Details
Basis, budget, value, experience, liquidity and exit.
Human Scenario Review
DPCG reviews the complete transaction & potential financing paths.
Clear Next Steps
Eligible files move into documentation, underwriting and closing workflow.
Private Real Estate Financing Across Florida
DPCG reviews eligible business-purpose investment-property scenarios throughout Florida, including projects in and around Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa, Jacksonville, Naples, Fort Myers, Sarasota, St. Petersburg and other Florida communities. Ground-up borrowers should be prepared to address Florida contractor licensing, the Florida Building Code, local zoning and permitting, plans, budget, schedule and contractor information. Requirements vary by municipality, project and financing source.
Florida Real Estate Financing Case Study
| Location | Palm Harbor, Florida |
| Property Type | Single-Family Detached |
| Purpose | Fix & Flip (Purchase + Rehab) |
| Project Budget | $90,000 Rehab Budget. |
| Purchase Price / Basis | $298,888.89 |
| Loan Amount | $350,000 |
| Total Qualifying Project Cost | $388,888.89 |
| ARV / As-Complete | $600,000 ARV |
| Closing timeline | Not publicly disclosed |
| Exit strategy | Fix & Flip / resale strategy |
| LTC | 90% |
| LTARV | 58.3% |
What Documents Should You Prepare?
Initial loan scenario
- Borrower or entity name.
- Property address and property type.
- Loan purpose.
- Purchase price or current basis.
- Requested loan amount.
- Existing debt, if applicable.
- Rehab budget.
- Estimated completed value, if known.
- Expected closing date.
- Planned exit strategy.
Acquisition and Property Documents
- Executed purchase contract and amendments.
- Assignment documentation when applicable.
- Deposit evidence when requested.
- Closing statement if already acquired.
- Detailed scope of work and line-item rehab budget.
- Contractor information.
- Construction schedule.
- Plans and permit information when applicable.
- Current property photographs.
- Existing valuation reports when available.
Borrower and Entity Documents
- Entity organizational documents.
- Ownership information.
- EIN documentation.
- Borrower experience schedule when required.
- Liquidity evidence.
- Credit authorization or credit information when applicable.
- Identification through the approved secure-document process.
Exit Documentation
- For sale: resale strategy and market support when available.
- For refinance: anticipated stabilized income, operating information, lease data when relevant, and proposed takeout strategy.
What can delay a Florida renovation or construction loan?
- Incomplete purchase or ownership documentation.
- Unresolved title issues or existing liens.
- Inaccurate payoff information.
- Incomplete or inconsistent construction budget.
- Plans that do not reconcile with scope or budget.
- Missing permits or unresolved entitlement issues.
- Contractor licensing questions.
- Insufficient evidence of liquidity or required equity.
- Unsupported valuation assumptions.
- Unrealistic construction timeline.
- Insufficient contingency or reserves.
- Insurance issues.
- Major changes in scope, use, ownership, or borrowing entity.
- Environmental or property-condition concerns when applicable.
- Weak or undocumented exit strategy.
- Last-minute transaction changes.
How can I prepare a stronger loan submission?
- Identify the exact property and financing purpose.
- State whether the transaction is a purchase, refinance, or a property already owned.
- Separate acquisition cost from renovation or construction cost.
- Provide a detailed line-item budget.
- Explain how much cash or equity is already invested.
- Document available liquidity and reserves.
- Provide existing debt and payoff information.
- Provide contractor and construction-team information.
- Confirm the status of plans and permits.
- Explain the project’s expected completed condition and value support.
- Provide a realistic construction timeline.
- Clearly explain the exit strategy.
- Disclose material issues early instead of allowing them to emerge late in underwriting.
Common Borrower Questions & What to Expect
Have a Florida Deal Ready for Review?
Start with the deal facts. DPCG can review the scenario and determine the next information needed for an eligible transaction.
Florida Fix & Flip and Ground-Up Construction Loan FAQs
A fix-and-flip loan is business-purpose real estate financing used for an investment-property acquisition, renovation, or both, where the borrower generally intends to sell or refinance the property after completing the business plan.
A ground-up construction loan is financing associated with building a new investment property or completing a substantial redevelopment project. Review typically includes land basis, plans, permits, budget, contractor, timeline, liquidity, valuation, and exit strategy.
Not necessarily. Construction transactions can involve a lot already owned, a simultaneous or interim land acquisition, or refinancing existing site debt into a construction structure.
Potentially. The financing source would generally review current ownership, existing debt, payoff, land value, total construction cost, borrower equity, project readiness, and completed-value assumptions.
Florida regulates construction contracting under Chapter 489, Florida Statutes. The applicable contractor classification, certification or registration requirement, and any exemption should be verified for the specific scope of work and project.
Hard costs generally relate directly to physical construction. Soft costs can include architectural, engineering, permitting, professional, financing, or other non-physical project expenses.
ARV means after-repair value. It is an estimate of the property’s value after the planned renovation is completed and is not a guaranteed resale value.
LTC means loan-to-cost. It compares the loan amount with the project’s qualifying total cost.
Start with the property address, purchase price or current basis, requested loan amount, rehab or construction budget, existing debt, expected completed value if known, borrower liquidity, project experience, project timeline, and exit strategy.
Call Direct Private Capital Group, Inc. at (800) 664-7505 or submit a loan scenario through the company’s General Inquiry page.
Tell Us About Your Florida Project
Start with the transaction facts. This initial form is designed for preliminary review and should not be used to upload Social Security numbers, full bank account numbers, government ID, complete bank statements, full tax returns or other highly sensitive documents. Your information is handled through our secure process. Review our Security Statement and Privacy Policy for more information.
Compliance Disclaimer
Direct Private Capital Group, Inc. is a commercial mortgage broker and private real estate financing resource. Information on this page is provided for general informational purposes regarding business-purpose and investment-property financing and does not constitute a commitment to lend, approval, a rate lock, or a guarantee of any loan amount, leverage level, pricing, terms, funding, or closing.
Any financing opportunity is subject to underwriting; borrower and guarantor qualification; collateral and valuation review; property type and loan-purpose eligibility; title; insurance; documentation; construction and renovation review; applicable third-party reports; state eligibility; lender, investor, or capital-provider guidelines; market conditions; and applicable federal, state, and local law.
Program terms and eligibility can change. Not every financing source offers every structure or property type. Business-purpose and investment-property financing only where applicable.