Florida Land Loans & Lot Financing
Premium Florida Land Loans & Lot Financing Engineered for Investors and Builders
# WHAT WE OFFER
Flexible Options...
Secure your piece of the Sunshine State with fast, flexible financing for residential lots and acreage. From streamlined 10-year fixed-rate investor programs to flexible alternative no-income-documentation solutions, we provide the capital you need to secure land under personal or LLC entities.
Tax Returns / 20% Down
Lowest down payment with Full Income Documents
Residential Land & Lots - strictly for Investment
Unzoned/Undesignated, Agricultural & Recreational Lots
Loan Amounts $100k-$500k
Rates 9.25%-15%
6 Months reserves >65% or No Reserves <50%
Min. Credit Score 680
No Income / 40% Down
Easy! No Income requirements!
Residential, Rural & Commercial
Raw Land, Unimproved Land, Entitled Parcels, Infill Lots
Loan Amounts $100k-$25M
Rates 9%-12%
No reserves required
Min. Credit Score 660
Tax Returns / 20% Down
This premium land financing program is engineered specifically for mortgage professionals, real estate investors, and builders looking to secure residential lots or acreage across the state of Florida. The program provides the stability of fixed-rate capital with highly flexible vesting options, including the ability to hold title within an LLC.
Loan Terms & Structure: Capitalized as a 10-year fully amortized fixed-rate mortgage with absolutely zero prepayment penalties.
Capital Parameters: Minimum loan amounts begin at $100,000 and extend up to a maximum of $500,000.
Transaction & Occupancy Types: Strictly limited to investment properties, second homes, and non-owner occupied (NOO) residential lot transactions. Both purchase and refinance structures are fully eligible.
Acreage & Property Limits: Supports buildable parcels up to a maximum of 20 acres. Borrowers may own a combined portfolio maximum of 10 real estate properties, including those held inside an LLC.
Zoning: Primarily residential zoning; however, Agricultural or Recreational zoning (RV lots/campgrounds) may be considered with a 2.00% rate adjustment.
Unzoned/Undesignated Areas: Eligible for full consideration provided the appraisal supports residential highest and best use as the primary path forward.
Rates are subject to change, without noitice.
No Tax Returns / 40% Down
Banks often see raw land as too risky. We see the opportunity differently.
If the parcel has real value and your plan makes sense, we can structure financing around the asset itself. Our asset-based underwriting reviews the land on its own merits, including location, entitlement status, comparable sales, and your exit strategy.
When the land supports the loan, we move forward.
Raw Land Financing: Finance raw, unimproved, and entitled land parcels that banks won't touch.
Interest-Only Payments: Keep carry costs low while you plan, entitle, or wait for the right opportunity.
Close in 48 Hours: In-house underwriting for fast closings on qualifying land deals.
Path to Construction: Seamless transition to a construction loan when permits are in hand.
Up to $25M: From infill lots to large entitled parcels — we scale with your vision.
Cross Collateralization: Leverage equity in other properties to strengthen your land acquisition.
Rates are subject to change, without noitice.
Frequently Asked Questions
Can I purchase land in Florida using an LLC?
Yes. Our program fully supports vesting under an established Limited Liability Corporation (LLC), provided personal guarantees are executed and a corporate business account is finalized before loan closing.
What is the minimum down payment for a Florida land loan?
Tax-Returns as income: The program requires a minimum contribution of 20% from the borrower's own verified funds, allowing a maximum Loan-to-Value (LTV) ratio of 80%.
NO Tax-Returns: requires 40% down.
Are there prepayment penalties if I pay off the loan early to build?
No. There are no prepayment penalties or termination fees associated with this program, giving you complete flexibility to transition into a construction loan whenever you choose.
Can I use gift funds to cover my post-closing reserve requirements?
No. All required post-closing asset reserves must originate from the borrower's own personal or business funds; gift funds are not permitted for asset reserve calculations.
Do I need Tax Returns and proof of income?
No, our program with 40% down doesn't require income documents, tax returns, w2s, 1099, or anything related to proof income or employment.