A Florida construction loan for investors is a short-term financing solution used to fund the cost of building a new residential or commercial property from the ground up. These loans are typically interest-only during construction and are repaid upon completion through a refinance or sale.

We work with both first-time and experienced real estate investors. To qualify, you typically need:
– A clear development plan
– Permits or permit-ready plans
– A feasible exit strategy (sale or refinance)
– Land ownership or purchase contract
– Some experience in real estate is preferred but not required

Got LOI offers construction loans from $250,000 up to $10,000,000+. The loan amount depends on the project scope, budget, and borrower qualifications.

LTC stands for Loan-to-Cost ratio. It’s the percentage of the total project cost that we finance. At Got LOI, we offer up to 85% LTC depending on the borrower profile and asset type.

– Pre-approval: 24–48 hours
– LOI issuance: Within 2 business days
– Funding: Typically 7–10 business days from completed submission

Yes, if you already own the land, the equity can be used toward your required down payment, reducing the amount of cash needed to close.

We fund:
– Single-family home builds
– Duplexes, triplexes, and fourplexes
– Townhome and subdivision developments
– Mixed-use or multifamily projects
– Custom spec home construction

We serve real estate investors across the entire state, including:
– Miami, Fort Lauderdale, West Palm Beach
– Orlando, Tampa, Sarasota
– Jacksonville, St. Augustine, Gainesville
– Naples, Fort Myers

Counties we serve include Miami-Dade, Broward, Hillsborough, Orange, Duval, and more.

Yes. We disburse funds in phases based on project milestones. Each draw is released upon inspection and verification of completed work.