New Construction Loans for Real Estate Investors
Building a new home or investment property? We offer construction loans for investors and builders — fund the land purchase AND the build, with draws released as construction progresses.
Construction Loan Highlights
- Fund land + construction in one loan
- Draw schedule tied to construction milestones
- Interest-only during construction
- Up to 75% of completed value (ARV)
- Minimum loan: $150,000
- No income documentation on investor programs
- Single-family and multi-family eligible
- Convert to permanent financing upon completion
How Construction Draws Work
Rather than receiving the full loan upfront, funds are released in “draws” as construction milestones are reached — foundation, framing, rough mechanicals, drywall, finish, completion. An inspector verifies each stage before funds are released.
Construction-to-Perm vs. Stand-Alone Construction
We offer both: a construction-to-perm loan converts automatically to a 30-year mortgage when the build is done (one closing, one set of fees). A stand-alone construction loan is short-term — you refinance into permanent financing separately (useful if rates change or you want to shop at completion).
Get a Construction Loan Quote