Constructive Loans for Florida investors
Constructive Loans has particular strength in new construction and ground-up development financing across multiple states including Illinois.
Florida context
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches.
How Constructive Loans positions in Florida
Florida is well covered by national DSCR lenders, with Constructive Loans as one option. Where Constructive Loans differentiates: experienced new construction underwriting. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Florida
Constructive Loans provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Constructive Loans program terms apply uniformly across Florida metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, bridge |
| Loan size | $75K - $5.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Florida property tax | 0.9% |
| Florida state income tax | None |
Constructive Loans strengths in Florida
- experienced new construction underwriting
- broad product suite
Ideal borrower: Investor with new construction or ground-up plans
FAQ
Yes, operates nationally including Florida. Constructive Loans is based in New York, NY and operates nationally.
Miami is the top investor market in Florida and falls within Constructive Loans national coverage. Miami property tax follows the Florida state rate of 0.9 percent. Constructive Loans typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from Constructive Loans. Submarket variation within Tampa matters for property selection.
Constructive Loans applies the same rate sheet across Florida metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Miami, Tampa, and Orlando all qualify for the same Constructive Loans program.
Constructive Loans indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches. Constructive Loans follows standard business-purpose loan structures.
Constructive Loans funds fix-and-flip, BRRRR, rental, new-construction, bridge in Florida.
Florida allows standard DSCR prepay structures; Constructive Loans typically uses 3-5 year step down.
Constructive Loans typical close: 10-21 days typical.
Bottom line
Constructive Loans in Florida works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Constructive Loans.