Financing for new residential and small multifamily construction. Land, vertical costs, and soft costs funded in draws against a real budget and schedule, with terms built around how long the build actually takes.
A construction loan funds a project that doesn't exist yet. That makes it the most documentation-heavy loan an investor will take out, and the one where lender competence matters most. Budgets, schedules, permits, contractor qualifications, and draw mechanics all get scrutinized, because the collateral is being created as the money goes out.
The upside is control. Building lets you produce the asset you want in the location you chose, at a basis renovation rarely matches. Investors who can manage a build well often find their best margins here.
We underwrite construction the way a builder thinks about it: line-item budget, realistic schedule, contingency that actually exists, and an exit that holds if the build runs long.
Completed projects, a bonded or qualified GC, and a budget that survives scrutiny.
Constructing new rentals to hold, then refinancing into long-term DSCR debt at completion.
Single lots, duplexes, and small multifamily where the numbers work without a hundred-unit spreadsheet.
| Project types | Ground-up residential and small multifamily construction |
|---|---|
| What it funds | Land or lot payoff, hard costs, and eligible soft costs per the approved budget |
| Budget release | Draws tied to completed and inspected work |
| Term structure | Sized to the construction schedule, with room for reality |
| Exit | Sale, or refinance into permanent rental debt |
| Pricing | Quoted per deal — ask for current terms |
Program parameters and pricing are set per deal and subject to change. Send us the property and we will put real terms in writing rather than quoting a range that moves.
Plans, permits or their status, line-item budget, schedule, and your builder's history.
We review budget against scope, comps against the finished product, and contingency against the risk.
Land funds if needed. The construction budget is committed and released against progress.
Inspected draws as phases finish, then sale or refinance into long-term debt.
Every funded borrower gets a seat in the Borrowers Circle: in-person masterminds, monthly AI workshops, the December couples retreat, and the Education Vault — 200+ hours of training, models, and templates. No membership fee, no application, and none of it priced into your rate.
Financing for building a new structure on a vacant or cleared lot. It funds land, hard costs, and eligible soft costs, and it releases money in draws as construction progresses rather than all at closing.
In nearly all cases, yes. Your builder's license, insurance, and completed-project history are part of the underwriting. Owner-builder requests get a much closer look.
You complete a phase, request a draw with documentation, an inspection verifies the work, and funds release. Accurate budgets and clean documentation are the difference between a fast draw and a stalled jobsite.
Often, yes. If you already own the lot, its equity can count toward your contribution. If you're buying it as part of the project, that can be structured into the financing.
You sell, or you refinance into permanent financing. If you're keeping it as a rental, our DSCR rental loans are the usual takeout, and that conversation happens with the same team.
Yes. Residential and small multifamily ground-up projects are squarely in our program. Send the plans and budget and we'll tell you where it lands.
Quotes come from people who invest for a living, not a call center. If the deal doesn't work, we'll tell you that too.