We fund ground-up construction loans across urban and suburban Florida, from $200,000 to $5,000,000, at 85% LTC standard and up to 100% of the construction budget. Eight published Florida loans Domus funded from April to September 2026, $9,081,501 in total, are listed on this page. We do not lend on rural property, or in Port Charlotte, Cape Coral or Lehigh Acres.
We are a direct balance sheet lender based in Hallandale Beach, and credit decisions are made in-house. Brokers welcome, and we pay you.
Three programs cover Florida. The ground-up construction loan builds the house. The two bridge loans buy a property first, for a different reason each.
| Term | Ground-up construction | Bridge to construction | South Florida bridge |
|---|---|---|---|
| Where in Florida | Urban and suburban markets statewide, except Port Charlotte, Cape Coral and Lehigh Acres | Florida, including Miami-Dade, Broward and Palm Beach | Miami-Dade, Broward and Palm Beach only |
| What it finances | Building a new 1 to 4 unit home: spec single family, townhomes, infill, teardown and rebuild, duplex to fourplex | Buying a property with an existing house, then time to subdivide or get permits before the construction loan | Single-family homes, condominiums and residential land. Townhomes are not eligible |
| Loan size | $200,000 to $5,000,000. 85% LTC standard, up to 90% case by case for highly experienced borrowers, up to 75% LTARV | Up to 85% of the purchase price, or of the appraised value if lower | $1,000,000 to $10,000,000. Up to 70% LTV |
| Rate | From 9%, as of October 2026 | From 9.25%, as of October 2026 | From 9.5%, as of October 2026 |
| Term | 9 to 18 months | 12 months | 12 months |
| Credit and experience | Minimum FICO 680, plus 3 completed projects of your own, including 1 comparable verified exit within the previous 36 months, or a general contractor with 3 completed projects in 36 months, proven by certificates of occupancy | The construction loan that follows uses the ground-up rules | No FICO minimum and no experience minimum |
| Time to close | 10 to 12 business days | See the funded deals below | 3 to 4 days. No appraisal required |
Updated . Business-purpose loans only.
On the ground-up construction loan you only pay interest on what has been drawn, at a fixed rate, interest-only, and points are 1% to 2% of the loan amount. Our standard is to wire draw funds within 24 to 48 hours after a draw is approved. The full program is on the ground-up construction loans page.
Ground-up construction: urban and suburban markets across the state. We do not do rural property, and we are not currently lending in Port Charlotte, Cape Coral or Lehigh Acres.
The lot must be 2 acres or less. Entitlement is not required, and permits are never required to close.
Bridge: in Miami-Dade, Broward and Palm Beach, the South Florida bridge loan works on its own, on single-family homes, condominiums and residential land. Everywhere else in Florida, we offer a bridge loan only on a property with an existing house, and only when the exit is a Domus ground-up construction loan.
Not sure whether your market qualifies? Send us the address.
Published Florida deals: 8 loans, $9,081,501, April to September 2026: 5 ground-up construction loans ($5,817,001), 2 bridge to construction loans ($1,444,500) and 1 South Florida bridge loan ($1,820,000).
| Location | Program | Loan amount | Funded | Detail |
|---|---|---|---|---|
| DeBary, FL | Ground-up construction | $264,000 | August 2026 | First-time developer, qualified through their general contractor's track record |
| Biscayne Park, FL | Ground-up construction | $2,925,000 | May 2026 | Experienced builder |
| Florida | Ground-up construction | $487,500 | May 2026 | Foreign national |
| Florida | Ground-up construction | $500,001 | May 2026 | Foreign national |
| Miami, FL | Ground-up construction | $1,640,500 | April 2026 | Experienced builder |
| Miami, FL | Bridge to construction | $444,500 | September 2026 | Closed in 5 days |
| El Portal, FL | Bridge to construction | $1,000,000 | July 2026 | Closed in 4 days |
| Miami, FL | South Florida bridge | $1,820,000 | July 2026 | Single-family, purchase, 70% LTV |
Deals in every state are on the funded deals page.
You own a lot, or you are buying one, and you are ready to build. That is a ground-up construction loan. We advance up to 60% of land value at closing with permits not yet issued, or up to 70% with permits issued, and fund the build in draws.
The lot has an old house and you are ready to tear it down. Also a ground-up construction loan. Teardown and rebuild is one of the project types we finance.
You are buying a property with an existing house and need time to subdivide or get permits. That is a bridge to construction loan. You can rent the house during the bridge. You cannot tear it down until it is in the construction loan, which then refinances the bridge directly, one construction loan per lot.
You are buying a single-family home, a condominium or residential land in Miami-Dade, Broward or Palm Beach, and you need to close in days. That is the South Florida bridge loan: $1,000,000 to $10,000,000 at up to 70% LTV, with no FICO minimum, no experience minimum and no appraisal.
What we do not finance in Florida: rural property, condo construction, owner-occupied homes, fix-and-flip, and anything above four units.
Yes. We fund ground-up construction loans in urban and suburban Florida, from $200,000 to $5,000,000, at 85% LTC standard and up to 100% of the construction budget. We do not lend on rural property, or in Port Charlotte, Cape Coral or Lehigh Acres.
Yes. Teardown and rebuild is one of the project types we finance with a ground-up construction loan. If you need time to subdivide or get permits first, a bridge to construction loan buys the property, and the house comes down only once the construction loan is in place.
No. Permits are never required to close. With permits approved and issued, we can advance up to 70% of land value at closing instead of 60%, so you bring less cash to the closing table.
Yes, within the 85% LTC standard, up to 90% case by case for highly experienced borrowers. At closing we advance up to 60% of land value with permits not yet issued, or up to 70% with permits issued, and we finance up to 100% of the construction budget in draws.
Ten to twelve business days for a ground-up construction loan. A South Florida bridge loan closes in 3 to 4 days.
Yes, with a ground-up construction loan, on the same terms as single family. Two to four townhomes are financed with one loan for the whole project, and the units must be on separate recorded lots before the construction loan closes. Townhomes are not eligible for the South Florida bridge loan.
Yes. Foreign nationals can qualify with no FICO score, at a higher rate, and borrow on the same LTC and LTARV as a US borrower. Two of the Florida ground-up loans Domus funded in May 2026 went to foreign nationals.
We do. We fund loans in our own name as a direct balance sheet lender, and we make credit decisions in-house. The person who prices your deal is the person who approves it.
The full rules for foreign borrowers are on the construction loans for foreign nationals page, and townhome releases are on the townhome construction loans page.
By Maximiliano Extrakt, Co-Founder, Domus Lending Group. Updated .
Business-purpose loans only.
Once we have all the information we need, we can price your deal the same day. Or call and talk it through with the person who makes the decision.