Florida Land Loans and Lot Financing Options

Florida Land Loans & Lot Financing

Premium Florida Land Loans & Lot Financing Engineered for Investors and Builders

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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%-50% 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
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  • 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.

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.
Key highlights of Florida investment land financing options and terms.
Table displaying competitive interest rates for land and lot loans by FICO score.
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  • 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.

No Tax Returns / 40%-50% 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.

Commercial Loan — Short Application

Tell us about the property and the loan you need — we’ll reply with a quote.

Borrower Information

Subject Property Information

Loan Information

Refinance Details

Purchase Details

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Financing options for raw land and development projects.

Frequently Asked Questions

What types of properties can I finance with Florida Land Loans?

You can finance strictly investment properties, second homes, and non-owner occupied residential lot transactions with Florida Land Loans.

What are the loan amounts available for Florida Land Loans?

Loan amounts for Florida Land Loans range from $100,000 to $500,000 for premium programs, and up to $25 million for raw land financing.

What is the minimum credit score required for these loans?

The minimum credit score required for Florida Land Loans is 660 for certain programs and 680 for others.

How quickly can I close on a land deal?

You can close in as little as 48 hours on qualifying land deals due to in-house underwriting.

Are there prepayment penalties with Florida Land Loans?

There are absolutely zero prepayment penalties with the fixed-rate capital financing offered.

Can I use an LLC to hold title for my land loan?

Yes, the financing options allow for flexible vesting, including the ability to hold title within an LLC.