Our Investor Construction Loan is the ideal financial partner for real estate developers and investors focused on ground-up construction, major additions, or substantial redevelopment projects. This specialized financing provides the flexible capital structure needed to turn raw land into profitable, high-value assets.
Construction financing requires a tailored approach. Our loans are designed to match the specific demands of the building process, ensuring capital efficiency and project control.
1. Staged Funding (Draws): Optimized Cash Flow: Unlike lump-sum loans, capital is released in phases (draws) as construction milestones are met. This structure reduces your interest burden, as you only pay interest on the funds you have actually used.
2. Cover All Project Costs: Comprehensive Capital: These loans cover every component of your project, including the acquisition of land, all hard construction costs (materials and labor), and soft costs (permits, architectural fees, and interest reserves).
3. Build-to-Maximize: Custom ARV: When you build new, you control the final product. This allows you to integrate the latest features and energy efficiencies demanded by today's buyers or renters, ensuring the highest possible After Repair Value (ARV) or appraisal value upon completion.
Lower mortgage insurance costs – If you put down 20% or more, you can avoid PMI altogether.
Wide range of property options – Finance a single-family home, condo, multi-unit property, or vacation home.
Flexible terms – Choose from fixed-rate or adjustable-rate mortgages to fit your goals.
No upfront mortgage insurance premium – Unlike FHA loans, there’s no big upfront cost for mortgage insurance.
We shop your loan across multiple wholesale lenders to ensure you’re getting the lowest possible rate and fees. We’ll walk you through every step, from pre-approval to closing, so you understand your loan terms and know you’re making the best decision for your situation.
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