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Construction Loans

Our financing supports real estate investors through ground-up construction and extensive property rehabilitations. We offer structured funding draws to ensure your project stays on schedule from start to finish. Our streamlined approval process is simple: apply online, move through professional underwriting, and close quickly to start your build.

Rapid Funding and Flexible Term Options

Up to 95% LTC Ground-Up Developments

Expert Structural Backing Through Completion

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Guidelines

Key factors to the approval of a Construction Loan

Experience

We work with builders and investors at all experience levels, from first-time ground-up projects to seasoned developers with large portfolios.

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Credit Score

Minimum FICO scores typically start at 660. Higher scores may unlock better pricing, higher leverage and more flexible terms.

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Leverage & Structure

Up to 95% LTC (Loan to Cost) and up to 75% of completed value, subject to underwriting. Terms vary based on project scope and exit strategy.

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Project Type & Exit Strategy

Eligible for SFR, 2–4 units, small multifamily, and select mixed-use projects. Clear plan to sell, refinance, or hold as a rental is required.

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What does Loan to Cost (LTC) mean for Construction Loans?

For ground-up and construction investors, Loan to Cost (LTC) compares the loan amount to the total project cost. It helps show how much of the build the lender is willing to finance versus how much cash the investor needs to bring. A higher LTC usually means less out-of-pocket capital for the borrower.

Step 1: Calculate Total Project Cost

Total property value plus construction budget and contingency.

$30k (Land) + $200k (Budget) + $20k (Cont) = $250k Total Cost

Step 2: Determine Loan Amount

Simply multiply the Total Project Cost by the LTC percentage.

$250,000 x 95% LTC = $237,500 Loan Amount

Step 3: Calculate Cash to Close

Subtract the Loan Amount from Total Project Cost for estimated cash needed.

$250k - $237.5k = $12.5k Estimated Cash to Close

Investor Summary

In this example, your construction loan at 95% LTC covers most of the total project cost, including land, construction, and contingency. You bring a smaller portion of the capital to the table while the lender funds the majority of the build.

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