Best Construction Lenders in Florida (2026)
Compare construction lenders serving Florida real estate investors. We found 2 lenders offering construction loans in Florida — see rates, LTV, credit requirements, and expert reviews below.
Investing in Florida
No state income tax, massive population inflows, strong STR markets. Florida is the top destination for out-of-state investors. Jacksonville, Tampa, and Orlando offer different investment profiles.
Key Markets
Typical Rates
9%–13%
Max LTV
70%–80% of completed value
Typical Terms
12–24 months
Min Credit
680+
Construction Lenders Serving Florida
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| CoreVestFeatured | 6.5%–10% | 75% | 660 | $500K–$100M | 21–45 days | 4.4 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
About Construction Loans in Florida
Financing for ground-up construction of investment properties, from single-family spec homes to build-to-rent developments. Funds disbursed in draws as construction milestones are completed.
Florida real estate investors use construction loans for build-to-rent developers and spec home builders. Florida's lack of state income tax makes rental property returns even more attractive when combined with construction financing.
Other Loan Types in Florida
Construction Lenders in Nearby States
Analyze Your Florida Deal
Use our free calculator to see if your Florida investment works with Construction financing.