Build To Rent Loans in Florida.

Build rental properties from the ground up. We finance construction AND convert to long-term rental loans when you're done.

Build It to Rent It. We Finance Both Phases.

Build-to-rent is a smart strategy: you build new rental properties from scratch, designed specifically for tenants—not for sale.

It's popular with investors who want:

  • Brand new properties with no deferred maintenance

  • Built to rent-optimized specs (durable finishes, efficient layouts)

  • Long-term cash flow from day one

  • Portfolio growth through construction instead of buying existing inventory

The challenge? You need construction financing to build, then rental property financing once it's done.

At Springwell Capital, we handle both. We fund the construction phase, then seamlessly transition you to long-term DSCR rental financing when the property is complete and rented.

One lender. Two phases. Zero hassle.


We finance build-to-rent projects across Florida—from single-family rentals in Orlando to small rental communities in Tampa to build-to-rent developments in Jacksonville.



Why Build-to-Rent Investors Choose Springwell Capital

  • Construction + Rental Expertise

    We understand both phases. Our founder is a builder who also invests in rentals. We know how to structure construction financing AND how to underwrite rental properties. You get expertise in both worlds.

  • Seamless Transition

    You don’t need to scramble for a new lender when construction is done. We handle the transition from construction loan to rental loan internally. Less paperwork, less stress, faster execution.

  • Built for Portfolio Builders

    If you’re building multiple rentals (which most build-to-rent investors are), we can structure financing to scale with you. Finance one property, then two, then five. We grow with your portfolio.

Why Build to Rent vs. Buying Existing Rentals

  • Brand New = Less Maintenance

    New construction means no surprise repairs, no old systems to replace, and warranties on everything. Lower maintenance costs for years.

  • Built for Renters

    You control the design. Build with durable finishes, efficient layouts, and features renters actually want—not what the previous owner thought was cool in 1995.

  • Long-Term Cash Flow

    New rentals command higher rents and attract better tenants. You're building income-producing assets designed to perform for decades.

How Build-to-Rent Financing Works

Phase 1: Construction Financing (12-18 Months)

We fund the construction of your rental property:

  • Purchase the land (if needed)

  • Finance construction costs

  • Custom draw schedule based on your build timeline

  • Interest reserves to preserve your cash flow

You build the property. We release funds as you hit construction milestones.

Phase 2: Transition to Rental Financing

Once construction is complete and the property is rented:

  • We transition you to DSCR long-term rental financing

  • No need to find a new lender

  • Based on rental income (no personal income verification needed)

  • Long-term loan designed for cash flow

Result: You go from construction to collecting rent with the same lender—seamless and simple.

Ready to get started?

Build-to-Rent Loan Features

Construction + Rental in One

Finance the build, then transition to rental loan—same lender, seamless process

Interest Reserves During Build

Preserve cash flow during construction—pay interest at the end, not monthly

DSCR Rental Financing

Long-term rental loans based on property income (no W-2s or tax returns needed)

Florida statewide

Build-to-rent financing across all Florida markets

Portfolio-Friendly

Finance multiple properties as you scale your rental portfolio

Builder-Founded

We understand construction AND rental investing—you get expertise in both

Free Planning Tools (Use Before You Even Apply)

We give away professional planning worksheets to help you make smarter decisions—whether you work with us or not.

Download from our Free Resources page:

  • Construction Budget Estimator - Build line-by-line budgets before you break ground

  • House Profit Calculator - See your REAL profit after all costs (loan fees, realtor commissions, closing costs, everything)

  • Cash Flow Timing Planner - Plan when trades start and payments are due

  • Rental Analysis Tool - Check if your project works as both a sale AND rental

STILL NOT SURE?

Frequently Asked Questions

Q: How is build-to-rent different from building a spec home?

A: This is called the "lease-up period." We build a transition plan to account for this gap. Typically you finish construction, get a tenant (1-2 months), then we convert to the rental loan. We plan for this upfront.

Q: What happens between construction finishing and getting a tenant?

A: Yes, if you have the experience and capacity. Many build-to-rent investors build 2-5 properties at a time. We structure financing to match your build capacity and timeline.

Q: Can I build multiple rentals at once?

A: This is why we analyze rental comps upfront. We make sure you're building in a market where rental demand is strong. If lease-up takes longer than expected, we have flexibility built in—but proper planning usually prevents this.

Q: Do I need rental property experience?

A: It helps. Build-to-rent is an advanced strategy that combines construction AND landlording. If you're experienced in either (or both), we can work with you. If you're brand new to both, this might not be the right starting point.

Q: Where in Florida do you finance build-to-rent projects?

A: Statewide. From Pensacola to Miami, Tallahassee to Naples—if rental demand is strong in that market and the numbers work, we're interested.

Ready to Build Your Rental Portfolio?

Let's review your plans together and see if the numbers work. No pressure, just honest analysis.

Contact Us

Springwell Capital, LLC

480 N Orlando Ave Suite 236

Winter Park, FL 32789

✉️ [email protected]
📞 (321) 364-4602

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