Ground-up construction loans for builders and investors developing new properties in Florida. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
Rental income and capital gains from Florida properties are not subject to state income tax — a meaningful yield boost over the hold period.
Florida continues to attract high volumes of domestic migration — retirees, remote workers, and families relocating from higher-tax states. Rental demand stays deep across every metro.
Metros like Orlando, Miami, and the Gulf Coast have active short-term rental markets alongside long-term rentals — Florida investors often run mixed strategies on the same portfolio.
Whether you're closing a single-asset SFR in a smaller Florida market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Miami, Miami Beach, Doral, Hialeah — LTR + STR scenarios
Tampa, St. Petersburg, Clearwater, Brandon
Metro Orlando — including Kissimmee, Davenport, Lake Nona (STR corridor)
Duval County, Ponte Vedra, St. Augustine
Broward County, Coral Springs, Hollywood, Pompano Beach
Southwest Florida — Naples, Bonita Springs, Estero
Sarasota, Bradenton, Pensacola, Panama City
Statewide coverage — send us any Florida property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Florida. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Florida — Miami–Dade, Tampa Bay, Orlando, Jacksonville, Fort Lauderdale, and every other FL metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Florida. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Florida is one of the largest single-family rental markets in the U.S. No state income tax, sustained population inflow, and strong demand for both long-term and short-term rentals. Florida landlord-tenant law is generally landlord-friendly at the state level.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Florida investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Florida metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.