Property types
Single family spec, 2–4 unit, small multifamily, townhome subdivisions. Vacant land loans are available when paired with a construction take-out.
01 — Ground up
New Construction Loans
Single family, multifamily, and small subdivisions. Funded in tranches that match your build schedule, not a generic underwriting calendar.
01 — Ground up
Built around the way you build.
We underwrite against the project plan and the after-built value, then structure draw schedules that match how trades actually show up.
Inspections are fast, draws are reviewed in 48 hours, and your account manager stays on top of the file from first disbursement to final holdback release.
7.9%Starting rate
90%LTC
24moMax term
Criteria
What we fund.
Leverage
Industry-leading leverage on total project cost (land + build), capped at a percentage of as-completed value. Experienced builders access the high end; first-time builders qualify at lower leverage with a solid plan.
Draws
Structured around your actual build schedule. Inspections ordered promptly after request. Funding follows shortly after sign-off.
Got a build? Let's get it funded.
FAQ
Program-specific questions.
What experience level do you require? +
Experienced builders access our strongest pricing and highest leverage. First-time builders can qualify at lower leverage with a strong GC relationship, a realistic budget, and meaningful skin in the game.
Do you fund lot acquisition plus construction in one loan? +
Yes — a combined acquisition + construction loan is our most common structure. You close once, then draw against the construction tranche as the build progresses.
How long do draws take? +
Draw request → inspection ordered promptly → inspection within a week → funding shortly after sign-off. Most draws fund quickly end-to-end. Your account manager keeps the timeline moving.
Can you refi into a long-term loan after completion? +
Yes. Our 30-year DSCR rental program is a common take-out if you decide to hold rather than sell.