Construction Loans Ground Up in Monroe County Florida
Loan Program Overview
At GotLOI, we fund ground-up construction loans in Monroe County, Florida, designed specifically for real estate investors, builders, and developers. Whether you’re building a luxury waterfront home in Islamorada or a multi-unit property in Key West, our private capital options move fast and work around your project’s unique schedule.
How to Qualify
- Lot or land address and purchase price
- Detailed construction budget and timeline
- Exit strategy (rental or resale)
- Site plans and scope of work
Property Types Eligible
- Single-family new builds
- Duplexes, triplexes, and townhomes
- Small multi-family and mixed-use developments
- Custom homes and modular construction
Fast Funding Timelines
Close in as little as 10–14 business days. Our streamlined process allows you to break ground fast—without the red tape of traditional bank approvals. Perfect for developers working under tight construction timelines or hurricane rebuilding requirements.
Trusted Local Lending Experience
We understand Monroe County’s permitting process, environmental regulations, and coastal building codes. From pile foundation requirements in the Keys to flood zone elevation rules, we help you navigate local challenges. We’ve worked with projects across Key Largo, Marathon, Tavernier, Big Pine Key, and surrounding areas.
What We Look For
Perfect for investors working in hurricane zones or on coastal permits
Quick closings and approvals
Flexible draw schedules and interest-only payments
No income or employment verification required
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals