New Construction Loans in Tampa, Florida

From blueprint to completion, get the funding you need to build faster with a new construction loan.

At Enrique & DKC Lending, we offer flexible and reliable new construction loans tailored for builders, developers, and investors. Whether you’re building a single home, a duplex, or a multi-unit project, we finance your construction from start to finish — fast, asset-based, and without the red tape.

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Fix and Lease Loans
Diseño sin título (30)

Over $100M funded for real estate projects across Florida and the U.S.

(706) 844-3723

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Loan Programs

Private Capital Construction Loans

  • No appraisal required
  • No experience or funds required
  • Up to 65% LTC (Loan-to-Cost)
  • Interest: 1% per month (interest-only)
  • 3–4 points at closing
  • Funding in 5–10 days
  • No prepayment penalties
  • 100% of vertical construction costs available
Cash Out Refinance Loans
Best New Construction Loan Provider

Private Capital Construction Loans

  • Experience required (previous successful builds or track record)
  • Appraisal required (as-completed value)
  • Up to 80–90% LTC
  • 3–4 points at closing
  • Draw schedule based on progress inspections
  • Credit score: 650+ preferred
  • Nationwide lending
Best private money loans

Why Investors Choose Enrique Bello &
DKC Lending

  • Fast Approvals
  • Asset-Based – not income-based
  • No experience required for private capital
  • Higher leverage for seasoned builders
  • Nationwide reach

We finance builders who build momentum

How It Works

  • Submit your project and construction budget
  • Get loan terms within 24–48 hours
  • Close and start vertical construction
  • Receive draws as the project advances
New Construction Loan

Why a Private Lender for Construction?

  • Technical Understanding: We evaluate projects, not just paperwork. We understand permits, timelines, and construction costs.
  • Speed of Execution: Initial approval in days, not months. Quick disbursements to keep the work moving.
  • Flexibility in Terms: Customized structures for unique projects (from single-family homes to multifamily and light commercial).
  • Direct Point of Contact: You communicate with the decision-maker, not a bureaucrat. We solve problems in real time.
New Construction Loan
A new construction loan is a short-term financing option that will help you bring your vision to life. Whether you are building a single-family home or a multi-family asset, our customizable loan options will cater to your specific needs. With builder-friendly draw schedules, featuring up to seven draws, you can rest assured that your construction progress will be well-funded. Our New Construction Loan solutions offer flexible financing, competitive terms, and expert guidance throughout every stage of your project. Choose a New Construction Loan designed to support a successful build from start to finish.

One of the key features of our new construction loan is that we offer funding of up to 100% of the construction cost. We also provide separate financing for the land and the construction costs.

Our loan terms are typically 12 months, allowing you ample time to complete the construction process. During this time, you will only be required to make interest-only payments. With competitive rates and origination fees, my New Construction Loan offers a cost-effective solution for your construction financing needs. I understand the importance of trust when it comes to choosing a lender. I have earned a reputation as a trusted partner in Florida, providing reliable and efficient financing solutions. With my streamlined application process, you can expect a fast funding turnaround, ensuring that you can start construction without delay.

New Construction Loans

Achieve Success In Real Estate Investment

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FAQ's

In addition to my New Construction Loan, I offer a range of residential and commercial construction loan products in Florida, including fix-and-flip loans, refinancing options, and fix-and-lease loans. I'm committed to offering diverse financing options to meet a wide range of real estate investment needs. Now, let’s address some frequently asked questions about New Construction Loans:

What are New Construction Loans?

New Construction Loans are short-term loans designed to finance the construction of a single-family home or multi-family residential asset.

How do new construction loans work?

Our builder-friendly customizable loans allow for financing the construction process. Borrowers pledge the land as collateral and receive financing for the construction. Builder experience is required for this type of loan.

I don't have any builder experience, can I still get a new construction loan?

Yes, as long as you partner with a licensed contractor. Builder experience is still required.

How do I apply for a new construction loan?

To apply for a new construction loan, simply visit our website and fill out our application form. Alternatively, you can contact us directly at info@enriquebello.com or (706) 844-3723

When do you close on a new construction loan?

Typically, builders close on the new construction loan once construction has begun. This means that the plans have been approved, permits have been issued, materials have been ordered, and the project has commenced.

What credit score do I need for a new construction loan?

Most lenders prefer a credit score of at least 680 for a new construction loan, although some may accept scores as low as 620 depending on your financial profile and loan program. A higher credit score can help you qualify for better interest rates, lower monthly payments, and more favorable loan terms. In addition to your credit score, lenders also consider your income, debt-to-income ratio, employment history, and available savings.

How much down payment is required for a new construction loan?

The required down payment for a new construction loan typically ranges from 10% to 20% of the total project cost. However, the exact amount depends on the lender, your credit score, loan type, and financial qualifications. Some government-backed loan programs may offer lower down payment options for eligible borrowers. A larger down payment can improve your chances of approval and may help you secure a lower interest rate.

New Construction Loan