A New Program For Pinellas Gulf Beaches Owners

BUILD ON YOUR LOT

Leverage your existing land equity to build a luxury home, duplex, triplex, or investment property in high-value Gulf Beach markets — qualified borrowers may borrow the full cost to build back evlevated for as little as 10% cash investment.*

10%
CASH INVESTMENT* FOR AS LITTLE AS

✓ Vacant Lot Owners
✓ Flooded-Out Homeowners
✓ Tear-Down / Redevelopment Sites
✓ Luxury Custom Homes
✓ Duplex / Triplex / Investment

Shawn Dunn South Pasadena Fl Sunset Beach Front Elevation — SUNSET BEACH MODEL 3 BED 2.5 BATH 2358 SQ Ft Living Space 4800 Sq total W/Elevator, Rooftop Terrace, 2+ Car Garage

HIGH LAND VALUES ON THE GULF BEACHES MAY BE THE KEY TO BUILDING YOUR FUTURE.

How It Works

You Own The Lot

Your existing land equity counts toward the project.

We Design & Build

Plans, engineering, and construction coordinated for you.

Financed Up To 70% ACV

Based on the appraised After Construction Value.

As Little As 10% Cash*

For qualified borrowers, using land equity to bridge the gap.

Build-On-Your-Lot Financing Examples

Example 10% Down Construction Scenarios

These examples show how existing land equity and projected after-construction value may support new elevated construction financing for qualified property owners.

Waterfront Lot Example

$2.0M Estimated ACV

Existing Lot Value

$650,000

Construction Contract

$900,000

Initial Cash Investment — 10%

$90,000

Remaining Contract Balance

$810,000

Estimated Closing Costs, Insurance & Origination Fees

$40,000

Estimated Loan Amount

$850,000

Estimated After Construction Value

$2.0M

70% ACV Lending Threshold:
$1,400,000

Non-Waterfront Lot Example

$1.4M Estimated ACV

Existing Lot Value

$350,000

Construction Contract

$900,000

Initial Cash Investment — 10%

$90,000

Remaining Contract Balance

$810,000

Estimated Closing Costs, Insurance & Origination Fees

$40,000

Estimated Loan Amount

$850,000

Estimated After Construction Value

$1.4M

70% ACV Lending Threshold:
$980,000

Why Land Equity Matters

If you already own your lot, the land value may help support the overall loan structure. Qualified property owners may be able to use existing equity, projected after-construction value and a properly structured construction contract to reduce the cash required to begin.

Build With As Little As 10% Down*

Gulfside Real Estate and Artisan Custom Homes help property owners evaluate the lot, construction plan, projected value and financing structure before moving forward.

*Examples are for illustration only and are not a loan commitment or guarantee of financing. Program availability, down payment, closing costs, insurance, origination fees, loan amount, interest rate, after-construction value and final approval are subject to lender review, appraisal, underwriting, title, insurance, project scope, borrower qualifications and final loan terms.

Why Land Equity Matters

If you already own your lot, the land value may help support the overall loan structure. Instead of buying land and building from scratch, qualified property owners may be able to use existing equity, projected after-construction value and a properly structured construction contract to reduce the cash required to begin.

Build With As Little As 10% Down*

Gulfside Real Estate and Artisan Custom Homes help property owners evaluate the lot, construction plan, projected value and financing structure before moving forward. Every scenario depends on the property, the build plan, borrower qualifications, appraisal and lender approval.