Investor Construction Loans

Investor Construction Loans are structured for developers and real estate investors seeking funding for single-family, multifamily, apartment, or build-to-rent projects. Each program is designed to align with project timelines and objectives, supporting smooth progress from acquisition to completion.

Program Overview

Eligibility & Guidelines

  • Construction term options up to 36 months
  • Bank statement qualification available (no tax returns required)
  • Minimum FICO score: 720
  • No prior construction experience required

Loan Features

  • Financing up to 75% Loan-to-Cost (LTC)
  • Interest-only payments on drawn funds
  • No payments required during construction
  • Minimum loan amount: $800,000
Builder Loans Website Graphics 64814 Design 6 Part 2

Property Types

Single-Family Residences

Construction financing designed to support single-family home development, with flexible terms to meet project-specific goals.

Multifamily Developments (1–4 Units)

Financing for multifamily developments structured to maintain project timelines and budget targets.

Apartment Projects

Loan programs tailored for apartment construction, offering competitive rates and accelerated approval processes.

Subdivision Projects

Comprehensive financing solutions for subdivision development, supporting large-scale residential projects from entitlement through build-out.

Frequently Asked Questions (FAQs)

How is the 75% Loan-to-Cost determined?

An independent appraisal establishes total project cost, and loan amounts are limited to 75% of that value.

Only interest on drawn funds accrues during the construction phase. Principal payments are deferred until project completion.

The financing allows up to 36 months for construction completion, ensuring sufficient flexibility for project execution.

Borrower qualification is based on bank statement analysis, eliminating the need for tax returns and streamlining underwriting.