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 →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.
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 Orlando metro including Kissimmee, Davenport, Winter Garden, Lake Nona, and Sanford.
Orlando permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Orlando construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Orlando 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. Orlando'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 Orlando 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 Orlando. 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 Orlando 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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