What is a Florida fix-and-flip loan?

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.

What is a Florida ground-up construction loan?

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.

Do I need to own the lot before applying for a construction loan?

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.

Can I refinance a lot I already purchased into a construction loan?

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.

Do Florida contractors need to be licensed?

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.

What is the difference between hard construction costs and soft costs?

Hard costs generally relate directly to physical construction. Soft costs can include architectural, engineering, permitting, professional, financing, or other non-physical project expenses.

What is ARV on a fix-and-flip project?

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.

What is LTC on a construction loan?

LTC means loan-to-cost. It compares the loan amount with the project's qualifying total cost.

What information should I submit first?

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.

How do I get started with DPCG?

Call Direct Private Capital Group, Inc. at (800) 664-7505 or submit a loan scenario through the company's General Inquiry page.

Home > Construction Questionnaire

Construction Questionnaire

Finance the acquisition, renovation, redevelopment, or construction of investment real estate with a financing structure evaluated around the property, project budget, borrower contribution, liquidity, construction plan, and exit strategy.

Direct Private Capital Group, Inc. is a commercial mortgage broker and private real estate financing resource. DPCG reviews qualifying business-purpose real estate scenarios, helps organize the financing request, and can present eligible files to applicable lenders, investors, and capital providers.

Business-purpose and investment-property financing only. Financing is subject to underwriting, borrower and guarantor qualification, collateral review, valuation, state eligibility, documentation, applicable law, and lender or capital-provider guidelines.

Tell Us About Your Project

Provide the basic transaction information needed for an initial discussion. Do not upload highly sensitive personal or financial records through an ordinary inquiry form.

Step 1 of 2

Price Requested Land

Loan Purpose

Property / Project City

Requested Loan Amount

Rehab / Construction Budget

Purchase Price or Current Value

Estimated Closing Date

Property Address

Address Line 1

City

State

Zip Code

Why work with Direct Private Capital Group, Inc.?

DPCG’s role can include:

Reviewing the initial financing scenario.
Organizing transaction information.
Identifying missing items.
Helping present eligible files to potential financing sources.
Communicating during the financing process.

DPCG does not guarantee approval, terms, funding, or closing and should not be presented as the direct lender unless separately verified for the specific transaction and jurisdiction.

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.

Construction Questionnaire

Tell Us About Your Project

Why work with Direct Private Capital Group, Inc.?

Compliance Disclaimer

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