Cape Coral, FL · Ground-Up Construction Loans
Ground-Up Construction Loans in Cape Coral
Fund land, build, and long-term refi in one seamless loan.
Why Cape Coral investors choose 818
Cape Coral is 120 square miles of pre-platted lots and canal-front SFR — the largest infill construction canvas in Florida, layered with STR and seasonal-rental demand across the Yacht Club and SW Cape. The underwriting reality post-2022 is insurance: wind and flood premiums decide whether a deal cash-flows, so DSCR math here has to start from a real quote, not a placeholder.
Our edge here: We underwrite Cape Coral with real insurance quotes in the DSCR and AirDNA-backed STR revenue — and our construction product fits the infill-lot build math.
Ground-Up Construction Loans: Cape Coral terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Cape Coral construction loans
Does 818 Capital offer construction loans in Cape Coral?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Cape Coral and the greater Lee County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Cape Coral?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Cape Coral neighborhoods do you lend in?
We actively finance construction loans across SW Cape / Pelican, Yacht Club, SE Cape Coral, NW Cape Coral, and other submarkets of Lee County.
How fast can 818 Capital close a construction loan in Cape Coral?
Our typical close time for a Ground-Up Construction Loans is 30–45 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Cape Coral
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans in other markets
Ready to close your Cape Coral deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.