The site
Confirm parcel boundaries, legal access, zoning, utilities, flood information and known restrictions.
BUSINESS-PURPOSE REAL ESTATE FINANCING · LAND & DEVELOPMENT
Look beyond the parcel.
Understand the opportunity.
Organize the land, proposed use, infrastructure and execution sequence before discussing a capital structure.
THE RIGHT STARTING POINT
A property.
A purpose. A plan.
Florida and other-state inquiries are reviewed individually. Submission does not establish eligibility or approval.
The program
Explain the intended use, approvals, infrastructure work, builder participation and phased release plan.
The capital plan
Connect land acquisition and improvement costs with equity, carrying costs and the expected exit.
THE FINANCING FRAMEWORK
Know the
starting parameters.
10–12%Annual borrower interest
24Month initial term · interest-only
50%Maximum land-only LTV
2–6%Origination fee
Land-only financing is limited to 50% of land value. Construction financing is limited to 50% of construction costs. Development structures require individual review. Indicative parameters only. Final terms depend on the property, valuation basis, capital source, underwriting and documents. Loans are interest-only with an initial 24-month term. The outstanding principal is due as a balloon payment at maturity. Borrowers may reduce principal or repay the loan in full at any time without a prepayment penalty. In rare and extenuating circumstances, a loan review may take place 60 days before maturity to consider a potential extension of 12 to 24 additional months. Borrower payment history is part of that review. Any extension requires approval and a written agreement; a review does not guarantee an extension.
Explore an interest-only illustration →MAKE THE FIRST REVIEW COUNT
Bring the facts
into focus.
Begin with what you know. Identify estimates and unresolved items clearly. Supporting files can be requested after the initial review.
Open the borrower checklist →- Parcel IDs, address or location and ownership or contract status
- Survey, available plats and entitlement information
- Utilities, access, site work and infrastructure assumptions
- Acquisition and development budget with contingency
- Phasing, builder involvement and repayment strategy
COMMON QUESTIONS
Understand
the details.
Can you consider a second-position mortgage?
Financing generally requires a first-position mortgage lien. Second-position financing may be considered after reviewing the existing first mortgage, available equity and overall transaction, subject to approval. Existing loan terms, total debt secured by the property, valuation and title must be reviewed. Availability and final terms are subject to capital-source approval and documentation.
Does a vacant lot qualify automatically?
No. Location, access, permitted use, value, equity, capital source and the repayment plan all affect whether a land proposal can proceed.
Can a group of lots be reviewed together?
Yes. Provide a parcel schedule, maps and an explanation of the proposed program. Identify separate ownership, liens and phasing requirements.
Is development financing the same as vertical construction?
No. Land, infrastructure and home construction may require different structures, conditions and review stages.