FL Build Opportunity – Seeking Hard Money Lender (Land Owned, Cleared, Flood Zone X)

[Deja Clark]

I'm working on a ground-up 3 bed / 2 bath home with a 1-car garage in Port Charlotte, FL. The ARV is $270K and my total all-in cost (including land) is a little under $205k.

The land itself was a blessing in disguise. The developer next door accidentally cleared it thinking it was his. The previous owner resolved the code violation with the county before selling it to me and now I own a fully cleared lot, which is rare for this area where most parcels are still completely wooded.

That saved me at least $6K upfront in clearing and shaved time off the timeline before I even broke ground.

Right now, the project is in permitting with an ETA of about two to three weeks for approval. 

While this is my first new build, I’ve partnered with a licensed GC and I’m under the wing of a seasoned mentor who’s built this exact same floor plan multiple times. One of his students just completed it in 5 months. I’ve got access to his full team of subcontractors and ongoing guidance throughout the build. Pictures are below.

The property sits in Flood Zone X, so there’s no flood insurance required. It’ll be built using concrete block, with impact windows and doors. 

Primary exit: sell. Secondary: refi and rent. 

If this even slightly piques your interest, I’d love to jump on a quick call and see if we’re a good fit to work together. There's chemistry in business.

📧 [email protected]

I'm building the EXACT same floor plan as the two builds below ⬇️

Mentee's Build 02/21/2025Mentee's Build 07/02/2025Mentor's Build 06/09/2025Mentor's Build 06/21/2025

[Diego Montoya]

Hi Deja, I work with a direct hard money lender based in Miami and we've done a lot of deals in Port Charlotte. If you're still looking for a lender, feel free to reach out.