Southwest Florida

Hard Money Loans in Cape Coral, Florida

New construction & investor loans for Cape Coral — ground-up builds on the canal-front lot grid, plus fix & flip and DSCR rentals.

92.5%Max LTC
5-dayFunding
0.75DSCR min.
LeeCounty + all FL

The Cape Coral investor market

Cape Coral's vast inventory of vacant residential lots makes it one of Florida's most active new-construction markets. LendingFLA finances ground-up builds — including waterfront and Gulf-access lots — with draw schedules built for builders, plus fix-and-flip and DSCR rental financing across Lee County.

Areas we serve in & around Cape Coral

SW Cape CoralSE Cape CoralPelicanCape HarbourBurnt Store

How Cape Coral investors use LendingFLA

Spec building on Cape Coral's lot grid is the core strategy — finance the lot and the vertical, then sell the finished home or refinance into a rental. Gulf-access and canal-front parcels in SW and SE Cape Coral command premium resale.

Loan Programs

Investor loan programs in Cape Coral

One application, access to a network of top private lenders — competitive, asset-based terms across every investment strategy.

Fix & Flip

Buy, renovate and resell with leverage that protects your cash.

Up to 92.5% LTC · 100% rehab · 5-day funding

Bridge Loans

Move fast on time-sensitive deals and bridge to your exit.

5-day close · interest-only · no prepay

DSCR / Rental

Qualify on the property's rent — not your tax returns.

DSCR from 0.75 · up to 80% LTV · 30-yr

New Construction

Ground-up financing with rapid, inspection-based draws.

Up to 90% LTC · 100% of construction

Multifamily

Acquisition & bridge capital for 5+ unit projects.

Up to 80% LTV · bridge & perm

Commercial & Foreign National

Asset-based loans, including foreign-national programs.

No US credit OK · fast close
Questions

Cape Coral hard money FAQ

Yes — ground-up construction loans cover the lot and up to 100% of the build budget in draws, ideal for spec builders working Cape Coral's residential lot grid.
Yes. We finance canal-front and Gulf-access new construction in Cape Coral, with terms structured around the build timeline and resale value.

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