Home Builder Funding with NO Monthly Payments

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Key Features:

• Interest only on disbursed funds

• Origination fees financed into the loan

• Payments deferred until payoff

• 2nd lien assistance to help with down payment

• Five-year review on experience

• 640 min Credit Score **

• $100,000 up to $2.5 Million ***

• Loan amount based on, up to 70% of (Home Sale Value after construction completion)

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If land is part of your total project cost, it may be included in the loan, subject to valuation and underwriting.

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Why Builders choose our Preferred Lender:​

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• Move Faster: Fast approvals and seamless closings to stay ahead of the competition.

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• Keep Your Cash: Our Zero Monthly Payment structure means you stay liquid until the project is finished.

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• Max Leverage: We cover 100% of land acquisition and ALL construction costs for qualified properties and builders.

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  ** While 640 is the baseline for eligibility, having a higher score, such as 700 or above, may result in better terms and higher leverage.

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 *** We represent other ground up construction lenders that go up to $20,000,000 for the luxury home builder. (contact us to discuss terms).

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How it Works for Builders

• Loan Purpose: The loans cover all facets of development, including land acquisition, permits, materials, and labor.

• Target Audience: These loans are specifically tailored for professional-grade projects managed by investors or developers with defined timelines and clear exit strategies (e.g., selling the property or holding it as a rental).

• Funding Process: Funds are not provided in a lump sum. Instead, they are disbursed through a "draw" process in stages as construction milestones are completed.

• Draw Verification: After a builder completes a phase, Lender verifies the work (usually via a third-party inspection) and typically releases funds within two business days to keep the project on schedule.

• Terms: Loans are short-term, typically 12 to 18 months, with interest-only payments (deferred until the loan is repaid) on the amount disbursed during the construction phase.

• Experience: Borrowers with a proven track record may be eligible for higher leverage or more favorable terms. 

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Fill out the Builder Inquiry Form at the bottom of the page and we will get back to you ASAP.

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​Please Note: This lending is not limited to pre-sales, but pre-sales (when possible) coupled with this product, are great tools for the builder to mitigate risk in this financial environment that we are experiencing right now.

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Cash Out Refinance your Build to Rent Single Property or Portfolio 75% LTV:

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• Loan Amount: $350K - $50M

• Minimum FICO: 700

• LTV: 75% Cash Out, 80% Purchase / Rate & Term

• Interest Rates: Starting at 5.99%

• DSCR: 1.25 (options down to 1.0x)

• Notes: Underwriting tailored to new construction

• Min 6 month rental seasoning to qualify

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         Visit our Construction Contractor Resources pages for helpful resources.

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