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— CONSTRUCTION LOANS · ORLANDO, FL

Construction in Orlando
Up to 85% LTC. 24-Month Terms.

Orlando 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 Orlando Rate →
9.50%
From Rate
85%
Max LTC
$5M
Max Loan
24 Months
Term

Construction Loans in Orlando, FL — Key Facts for Builders

Why Orlando Is a Strong Market for Construction Investors

Orlando's dual economy (tourism + tech) provides exceptional STR potential alongside stable long-term rental demand. Disney, Universal, and SeaWorld alone generate millions of annual visitors. The medical city and aerospace industry (Lockheed Martin, Northrop Grumman) add professional rental demand. Kissimmee and Davenport are particularly strong STR markets.

Median Price
$395,000
Citywide
Rental Yield
6.8%
Average gross
Appreciation
5.4%
YoY
Metro Pop
2.7M
Greater Orlando

Active Orlando Investor Neighborhoods

ORLANDO

Thornton Park

Active investor market with strong rental demand and construction activity.

ORLANDO

Baldwin Park

Active investor market with strong rental demand and construction activity.

ORLANDO

Downtown

Active investor market with strong rental demand and construction activity.

ORLANDO

Winter Park

Active investor market with strong rental demand and construction activity.

ORLANDO

Lake Nona

Active investor market with strong rental demand and construction activity.

We also fund investments throughout the greater Orlando metro including Kissimmee, Davenport, Winter Garden, Lake Nona, and Sanford.

Recent Orlando Closings

SFR Spec Build · Thornton Park
$474K Construction Loan
Closed
85% LTC · 18-month term · 5 draws · experienced builder · closed in 21 days
Duplex New Build · Baldwin Park
$632K Construction Loan
Closed
80% LTC · 24-month term · 6 draws · took out with DSCR refi at CO
Infill Development · Downtown
$869K Construction Loan
Closed
82% LTC · 24-month term · 7 draws · 3-lot subdivision · closed in 30 days

Key Considerations for Orlando Investors

Permit and approval timelines

Orlando permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.

Builder qualifications

Orlando construction lenders favor experienced builders. First-time builders qualify with GC partnership.

Draw schedule structure

Typical Orlando draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.

Take-out financing

Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Orlando's strong market makes take-outs reliable.

Frequently Asked Questions — Orlando Construction

What's the maximum LTC on a Orlando construction loan?

Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.

Do I need to be an experienced builder for a Orlando construction loan?

First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.

How does the Orlando draw schedule work?

10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.

What's the typical construction loan term in Orlando?

Construction loans in Orlando run 12-24 months. Most spec builds complete in 9-14 months.

What permits do I need in Orlando before closing?

Most lenders require permits in-hand or at final approval before funding vertical construction.

Can I use a construction loan for a Orlando rental property build?

Yes. Build-to-rent is strong in Orlando. Close with construction loan, build, take out with 30-year DSCR at CO.

What credit score is needed for a Orlando construction loan?

Most programs require 680+ FICO. Strongest pricing at 720+.

What loan amounts are available for Orlando construction?

Construction loans in Orlando range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.

Related Orlando Loan Programs

DSCR Loans in Orlando → Fix & Flip in Orlando → Bridge in Orlando → Construction in Florida →

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