Ground-Up & Builder Programs

GROUND-UP CONSTRUCTION LOANS

Financing for builders and investors developing 1–4 unit or multifamily projects.


Product Overview:

Financing for vertical new construction on ready-to-build lots. Ideal for builders and investors

constructing 1–4 unit projects.


Example Scenario:

Total Project Cost: $500,000 | Loan: $450,000 (90% LTC)

Interest is paid only on drawn funds throughout construction.


Advantages:

  • Interest-only during construction
  • Funds released via construction draws
  • Flexible terms for single or multiple builds



Terms & Availability:

  • Loan Amount: $500K – $22.5M
  • LTC: Up to 90% | ARV: Up to 75%
  • Term: Up to 24 months
  • FICO: 660+ | Liquidity: ≥5% of project cost
  • Experience: Required (similar projects in last 18 months)



AD&C ALL-IN-ONE DEVELOPMENT LOAN

All-in-one financing for land acquisition, development, and construction.


Product Overview:

Combines land acquisition, horizontal development, and vertical construction into one

streamlined facility.


Example Scenario:

Land + Construction: $10M | Loan covers up to 85% LTC for experienced developers building

SFR communities.


Advantages:

  • One facility for land + development + vertical build
  • Reduced origination fees vs. multiple loans
  • Interest-only on drawn funds


Terms & Availability:

  • Loan Amount: $500K – $100M
  • LTC: Up to 85% | ARV: Up to 75%
  • Term: Up to 24 months (extendable)
  • Liquidity: ≥10% recommended
  • Experience: Proven track record required



BUILD-TO-RENT LOAN

Construction financing for developers building single-family rentals.


Product Overview:

Tailored for developers constructing single-family or small-multifamily rentals intended for long-term hold or portfolio sale.


Example Scenario:

Construction Budget: $2.5M | Loan covers up to 90% LTC; property leased on completion and refinanced into DSCR take-out loan.


Advantages:

  • Combines construction + bridge to rental refi
  • Interest-only on drawn funds
  • Ideal for SFR community developers

Terms & Availability:

  • Loan Amount: $500K – $22.5M+
  • LTC / LTV: Up to 90% / 75%
  • Term: Up to 24 months
  • DSCR Exit Requirement: ≥1.20x
  • Experience: Required for eligibility





BRIDGE STABILIZATION LOAN

For properties in lease-up or post-renovation phase.


Product Overview:

For investors stabilizing recently completed or renovated properties before transitioning to

long-term financing.


Example Scenario:

Loan covers 75% LTV for property in lease-up stage; interest-only during stabilization.


Advantages:

Great for refinance during lease-up

Interest reserve included

Allows cash-out if within LTV guidelines


Terms & Availability:

Loan Amount: $500K – $20M

LTV: Up to 75%

Term: 12 months (extendable)

FICO: 660+ | Liquidity: >5%

Experience: Preferred





REVOLVING CREDIT FACILITY - BUILDER LINE OF CREDIT

Revolving credit facility for active builders.


Product Overview:

Reusable credit facility for active builders managing multiple concurrent projects under one credit line.


Example Scenario:

Builder with 10 homes under construction uses a $10M revolving line to fund lot purchases and vertical costs.


Advantages:

  • Reuse capital without new origination fees
  • Supports multiple projects at once
  • Ideal for regional builders and repeat developers


Terms & Availability:

  • Facility Size: $5M – $40M
  • Term: 24 months revolving
  • LTC: Up to 85%
  • FICO: 700+ | Liquidity: ≥10%
  • Experience: Required
  • Closing: 30–45 business days