Jacksonville real estate developers: ground-up construction financing for spec homes and investor projects. Up to 85% of total costs. Draw schedules aligned to milestones.
Check My Jacksonville Rate →Jacksonville is the largest city by land area in the continental US with the most affordable median prices in Florida. Naval Station Mayport, NAS Jacksonville, the port, and a growing finance sector (Bank of America, Fidelity, Wells Fargo) anchor the economy. Better cash flow than South Florida metros without sacrificing population growth.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
We also fund investments throughout the greater Jacksonville metro including Orange Park, Nocatee, Ponte Vedra, Fleming Island, and Middleburg.
Jacksonville permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Jacksonville construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Jacksonville draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.
Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Jacksonville's strong market makes take-outs reliable.
Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.
First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.
10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.
Construction loans in Jacksonville run 12-24 months. Most spec builds complete in 9-14 months.
Most lenders require permits in-hand or at final approval before funding vertical construction.
Yes. Build-to-rent is strong in Jacksonville. Close with construction loan, build, take out with 30-year DSCR at CO.
Most programs require 680+ FICO. Strongest pricing at 720+.
Construction loans in Jacksonville range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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