FL · Naples
Bridge, Flip & Construction
Loans in Naples, FL
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Naples, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances investors who buy, renovate and build residential investment property in Naples and across Collier County. We write ground-up construction loans, bridge loans and fix & flip loans from $1M to $5M, plus renovation financing and DSCR loans for the hold. Term sheets go out in 24 to 48 hours, and a clean file closes in about two weeks.
Naples is a high-value market, which suits our loan range. In the Florida Realtors 2025 report (August 2024 to July 2025), the Naples-Immokalee-Marco Island metro had the highest median sale price of the Florida metros covered, at about $630,000, and many single-family projects near the coast run well above that. Typical deals are teardowns replaced with new spec homes, full renovations of older houses west of US 41, and rebuilds of storm-damaged property.
The international buyer base here is led by Canada. In the same survey, Canadians were 52% of the metro's international buyers, Brazilians 9%, and Latin American buyers overall 22%. A non-US investor borrows from us on the same terms as a US investor: the loan is made to a US LLC and underwritten on the property and the plan, with no US credit history or Social Security number required.
Coastal Collier County has flooded in recent hurricanes, including Ian in 2022. In a FEMA flood zone, repairs or improvements costing 50% or more of the structure's market value require the building to meet current floodplain rules, often by elevating or rebuilding. That rule often decides whether a Naples project is a renovation or new construction, and we finance the new builds as construction loans up to 85% of cost.
Naples Market Highlights
Spec homes up to 85% LTC
Ground-up construction loans for new houses on teardown and vacant lots, with draws released as the build advances.
Highest median price in Florida
The Naples metro had the highest median sale price of the Florida metros in the 2025 Florida Realtors report, so projects often sit in our $1M to $5M range.
Canadian buyers lead
Canadians were more than half of the metro's international buyers in the 2025 survey, followed by Brazilians. Both borrow on the same terms as US investors.
The FEMA 50% rule
In a flood zone, work reaching 50% of the structure's value triggers full floodplain compliance, which often turns a renovation into a rebuild.
Fix & flip up to 90% LTC
Purchase and renovation in one loan for houses where the scope works under local flood rules.
Condo due diligence
Condo buildings of three stories or more must complete milestone inspections and structural integrity reserve studies under Florida law. We review them before lending on a unit.
Key Submarkets
Old Naples
Aqualane Shores
Coquina Sands
The Moorings
Park Shore
Royal Harbor
Vanderbilt Beach
North Naples
East Naples
Golden Gate
Golden Gate Estates
Marco Island
Property Types We Finance
Single-Family
Spec Homes
Teardown & Rebuild
Elevated Rebuilds
Condos & Townhomes
2-4 Units
Small Multifamily (5-9 Units)
SFR Portfolios
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
Investing in Naples from outside the US
If you are buying in Naples from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
Do you finance spec home construction in Naples?
Yes. We finance ground-up construction of single-family spec homes up to 85% of total cost, from $1M to $5M, including teardowns on existing lots. Funds are released in draws as the build advances, and the loan is repaid from the sale or refinanced into a DSCR loan if you keep the house as a rental.
Can a Canadian or Brazilian investor borrow for a Naples property?
Yes. Foreign nationals borrow through a US LLC on the same terms as US investors. We underwrite the property and the business plan, so no US credit history or Social Security number is required.
Do you lend on a Naples house the owner will use as a residence?
No. We make business-purpose loans only, on non-owner-occupied investment property: projects built or renovated for sale, and properties held as rentals.
Learn More
Construction Loans
Ground-up financing up to 85% of cost for spec homes and rebuilds.
Construction Loans: How to Finance Your Next Development Project
How construction loans are sized, drawn and repaid.
Foreign national loans
How non-US investors borrow through a US LLC on the same terms as US investors.
Other Cities in Florida
We also finance investors across other Florida markets.
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