Do I need prior construction experience?

No experience required. I work with first-time builders and seasoned developers alike, with direct access to the decision makers. A licensed GC on the project strengthens the deal.

Is land acquisition included?

Yes. The loan can cover both the land acquisition and the construction costs, with funds released through milestone-based draws.

How do construction draws work?

Your construction budget is held in reserve and released in stages as work is completed and inspected — typically foundation, framing, mechanicals, and finishes. Fast inspections keep the project moving.

What happens when the build is finished?

At certificate of occupancy you exit the construction loan by selling the property or refinancing into permanent financing — often a DSCR rental loan if you plan to hold it.

Do you fund small commercial construction?

Yes. In addition to ground-up residential and spec builds, I fund small commercial and mixed-use construction projects. Send me the details and I will structure it.

Illustration of Hard Money Henry wearing a red cap, gold chain, and black tracksuit

Construction Loans in Florida

Sunshine State speed for flips, rentals, and STRs. I fund construction deals across Florida — Ground-up financing covering land plus build, released on milestones.

Apply For Construction Funding

24 Hrs
Close In As Little As: 90%
Max Loan-To-Value: 15+
Markets Served

Construction Loans For Florida Investors

Financing for new construction projects from land acquisition through completion. Land and construction in one loan with draws released as you hit milestones. First build or seasoned developer — both welcome.

A ground-up construction loan finances a build from raw or infill land through certificate of occupancy. It covers both the land acquisition and the vertical construction in a single loan, with funds released in draws as you hit defined milestones — foundation, framing, mechanicals, finishes.

As a direct lender working across Florida, I know the local markets — from Fort Lauderdale, Jacksonville, Miami and beyond — and I underwrite on the deal, not red tape. If your construction numbers work, you get a same-day answer and funding fast enough to compete.

By The Numbers

Construction Rates & Terms in Florida

The headline numbers for a construction loan in Florida. Every deal is priced on its own merits — these are the guardrails.

Construction loan rates, terms, and loan-to-value in Florida
Metric	Terms
Interest Rate	11–14%
Loan-to-Cost	Up to 90%
Land Acquisition	Included in loan
Points	From 2
Term	12–24 months
Draws	Milestone-based

Why It Works

Why Florida Investors Choose This Loan

Land + construction in one loan
Draws released as you hit milestones
First build or seasoned developer — both welcome

Markets We Serve

Construction Loans Across Florida

Fort Lauderdale
Jacksonville
Miami
Orlando
St. Petersburg
Tampa

Construction Loan FAQs

Do I need prior construction experience?: No experience required. I work with first-time builders and seasoned developers alike, with direct access to the decision makers. A licensed GC on the project strengthens the deal.
Is land acquisition included?: Yes. The loan can cover both the land acquisition and the construction costs, with funds released through milestone-based draws.
How do construction draws work?: Your construction budget is held in reserve and released in stages as work is completed and inspected — typically foundation, framing, mechanicals, and finishes. Fast inspections keep the project moving.
What happens when the build is finished?: At certificate of occupancy you exit the construction loan by selling the property or refinancing into permanent financing — often a DSCR rental loan if you plan to hold it.
Do you fund small commercial construction?: Yes. In addition to ground-up residential and spec builds, I fund small commercial and mixed-use construction projects. Send me the details and I will structure it.

Other Loan Programs in Florida

All lending in Florida

Where We Lend

Construction Loans in Other States

All about Construction loans

Have A Florida Deal?

Tell me about your construction project in Florida and get a same-day answer. No application fee, no obligation, no nonsense.

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