Residential Construction

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Funding based on future value — Many lenders base loan amounts on the as‑built or after‑repair value (ARV) of the finished home. Some lend up to 70% LTV or 85% LTC.  

Covers land + construction — Loans can include land purchase, teardown, or full construction costs. Some lenders fund up to 100% of construction costs, releasing funds through draws. 

Interest‑only payments — Borrowers pay interest only on drawn funds, reducing upfront cash needs. 

Short terms — Typically 6–18 months, aligned with build timelines. 

Fast closings — Some lenders close in as little as 48 hours for shovel‑ready projects.