We fund vacant land purchases for investors in and around Pensacola, Florida: Escambia, Santa Rosa, and Okaloosa counties. Written quote in 24 hours, close in about 7 days.
The Pensacola area covers the western Panhandle, where rural acreage north of the coast sells to buyers who want space near the beaches and the military bases. Investors flip it, split it, and sell it on terms.
Close fast and beat other buyers
Land loans around Pensacola
We value the land ourselves
You deal with the person who funds the loan
Rural acreage north of the city.
Homesite tracts and acreage, from the growing south end to farm land up north.
Rural and wooded acreage north of the coast.
Our Pensacola land loans are for investors and businesses buying vacant land to resell, hold, or split in Escambia, Santa Rosa, and Okaloosa counties.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value, capped at 80% of the purchase price. Rates are 14% interest only on loans of $100,000 and up and 16% under $100,000, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in about 7 days.
The parcel has to be at least 2 acres with deeded or recorded easement access. Florida uses mortgages, and foreclosure goes through the courts, so a clean first lien and real resale demand matter most. Check the flood zone and wetlands on every parcel, and confirm the county will allow a septic system on the lot size you plan to sell.
In the Pensacola area, what sells fastest is homesite acreage in Santa Rosa and Okaloosa Counties within a reasonable drive of the bases and the beaches, and wooded tracts farther north around Jay, Baker, and Century. Many buyers here are military families who want land now and a house later, and buy on terms.
Many Pensacola area buyers want monthly payments instead of a bank loan, so reselling on terms is a natural exit. If you sell that way, we can buy the note you create for 80 to 90% of the balance.
A 5 acre Florida land purchase financed with a $57,600 loan, closed in 7 days with no appraisal.
Read the Florida loan case study →Yes. We fund vacant land purchases in and around Pensacola, including Escambia, Santa Rosa, and Okaloosa counties, from $30,000 to $1,000,000 with 20% down and no appraisal.
About 7 days once we have a signed contract, clear title, and your entity documents. You get a written quote within 24 hours.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, and a 2% exit fee at payoff.
Vacant land of 2 acres or more with legal access, bought by an LLC or corporation for a business purpose such as a flip, a split, or a resale on terms.
Yes. If you sell Pensacola area land with seller financing, we can buy the note for 80 to 90% of the balance, at closing or later.
We are a direct hard money and private money lender for vacant land in Pensacola, FL. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 7 days to close. Every loan is for business purposes with a personal guarantee.
See our hard money land loan terms →Send the contract and the parcel. Written quote in 24 hours, close in about 7 days.