New Construction Loan Southwest Florida | Custom Financing Solutions
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A construction loan in Zephyrhills, Florida is being sought by an experienced real estate investor for $685,265, representing a 33.3% loan-to-value (LTV) ratio. The loan proceeds will be used to fund the construction of two single-family homes in a residential neighborhood within the city.
Local market comparables in Zephyrhills show homes in the same area selling for approximately $585,000 each, indicating strong market alignment and potential resale value for the finished properties. With a conservative LTV, the loan presents a relatively low risk profile for lenders.
The borrower’s planned exit strategy is to sell the completed homes, using the proceeds to repay the loan. This strategy is supported by the borrower’s proven track record—over the past two years, they have successfully exited more than 10 similar loans, demonstrating both operational efficiency and reliability.
This loan structure allows the borrower to leverage capital for new development in a growing area while offering lenders a well-secured position based on low leverage and a strong resale market.
New Construction Loan Southwest Florida | Custom Financing Solutions Details
Structure
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BPDNx
SENIOR BPDN - PROMISSORY NOTE SECURED BY COLLATERAL SECURITY AGREEMENTTHIS PROMISSORY NOTE IS SECURED BY THE ISSUER'S PLEDGE OF THE RELEVANT UNDERLYING COLLATERAL LOAN (AS DEFINED BELOW) TO THE LENDER (AS DEFINED BELOW) UNDER THE COLLATERAL SECURITY AGREEMENT AND PROMISSORY NOTE. HOWEVER, EXCEPT TO THE LIMITED EXTENT PROVIDED IN THE PROMISSORY NOTE WITH RESPECT TO THE UNDERLYING COLLATERAL LOAN, THIS NOTE IS NON-RECOURSE TO THE ASSETS, FUNDS AND ACCOUNTS OF YIELDI, LLC (THE "BORROWER", "COMPANY" OR "ISSUER") OR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, STOCKHOLDERS, PARENTS, OR SUBSIDIARIES EXCEPT TO THE EXTENT OF THE VALUE OF COLLATERAL LOAN NET PAYMENTS ACTUALLY RECEIVED IN RESPECT OF THE UNDERLYING BORROWER LOAN.
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Why We Like This Opportunity
New Construction Loan Southwest Florida | Custom Financing Solutions Highlights
The property plans include the construction of two new single-family homes in a residential neighborhood, designed to align with current local market demand. Each home is anticipated to be competitively priced around $585,000, mirroring comparable sales in the area. These homes will cater to families or individuals seeking modern living in a peaceful, yet accessible, community.
About the Neighborhood
Zephyrhills, Florida is a growing city located in Pasco County, northeast of Tampa. Known for its small-town charm, scenic parks, and the famous Zephyrhills spring water, the city is attracting both residents and developers due to its affordable land, expanding infrastructure, and proximity to major highways.
Why We Like this Opportunity
As both the lender and investor, we view this construction loan opportunity in Zephyrhills, Florida as a compelling and well-structured deal. The borrower has a solid track record, having successfully exited over 10 similar loans in the past two years, which gives us confidence in their ability to execute and deliver. The loan is structured at a conservative 33.3% loan-to-value (LTV), offering strong collateral protection and minimizing downside risk. The project involves the construction of two single-family homes in a growing neighborhood, with comparable properties selling for approximately $585,000—supporting the projected value upon completion. The borrower plans to exit the loan by selling the homes, a strategy they’ve repeatedly executed with success. From both a lending and investment perspective, the borrower’s experience, clear exit plan, and the market fundamentals in Zephyrhills make this a strong, lower-risk opportunity.
Investment Summary Of New Construction Loan Southwest Florida | Custom Financing Solutions
Investors have an opportunity to invest in borrower payment dependent notes, the cash flow of which is dependent on the payment of interest and principal repayment on the Loans. Investors are scheduled to receive an annualized monthly interest payment of Login for details over the Loans' estimated remaining term of 12 Months. Principal is expected to be returned on or before maturity through a refinancing with a traditional bank loan. It is important to note that the Loans are eligible for prepayment, and principal may be repaid prior to the 12 Months estimated remaining term. If the Loans are paid off before maturity, investors are expected to receive at least three months of interest payments in addition to return of principal.
How Do I Get Paid?
This loan had an initial term of 12 Months with an option at Yieldi's discretion to extend. As of June 4, 2025 there are 12 Months remaining. Investors will immediately receive monthly interest payments at an annualized rate of Login for details on the principal balance over the life of the loan. If you invest in this loan in the middle of a month, you will receive a prorated interest payment for your investment for your first investment month and then full monthly payments thereafter. All payments are made automatically via ACH on the 1st of each month and investors all paid by the 10th of the month.
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