Construction Loans for Real Estate Investors

Finance New Builds or Major Renovations with Confidence

Flexible funding for ground-up construction, rebuilds, or heavy rehab projects.

Construction loans are short-term, draw-based loans designed to finance the cost of building or substantially renovating residential investment properties. These loans offer real estate investors fast access to capital — structured to match your project’s phases and timeline.

Get matched with a construction lender in 60 seconds. No tax returns or W-2s required.

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Matched with investor-friendly lenders
Fast pre-approvals-no W2s required
Financing options fro rentals, BRRRR, STRs
Scale your portfolio with confidence

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🏗️ Why Choose a Construction Loan?

Custom-built financing for builders and investors.

✅ Fund land purchase and construction costs
✅ Loans up to $5M+ for residential builds
✅ Close in as fast as 10–21 days
✅ Interest-only during construction
✅ Draw schedules matched to build phases
✅ Close in LLC, trust, or personal name

Use Case Example: An investor secured a construction loan to finance a duplex development on a vacant lot. The lender approved 75% of total project cost, releasing funds in stages tied to construction milestones. The project was completed and refinanced into a 30-year DSCR rental loan.

🧮 How Construction Loans Work

These loans are typically 6 to 18 months in length, with funds disbursed in phases (draws) as verified construction milestones are completed.

Typical Loan Structure:

Loan-to-Cost (LTC): Up to 75–85%
Loan-to-Value (LTV): Based on ARV (after-completion value)
Funds are released in draws — inspections required for each stage
Interest-only payments during the construction period

Requirements:

Detailed construction budget and timeline
Scope of work (SOW) and contractor license info
Appraisal with as-completed value
10–25% down payment depending on experience and project risk

Get Expert Investment Financing

Matched with investor-friendly lenders
Fast pre-approvals-no W2s required
Financing options fro rentals, BRRRR, STRs
Scale your portfolio with confidence

Submit Your Loan Scenario

Construction Loan FAQs

What can I use a construction loan for?

New builds, tear-down/rebuilds, modular homes, ADUs, and heavy renovations.

Can I get funding for land + build?

Yes. Many lenders offer combined financing for lot purchase and construction.

Do I need builder experience?

Not necessarily. Some lenders work with first-time builders, especially if using licensed general contractors.

How are funds released?

Draws are released in phases after an inspection confirms work completed.

Can I refinance into a long-term loan after construction?

Yes. Most borrowers exit into a DSCR or conventional rental loan once construction is complete.

Get Matched with a Construction Lender Today

See what you qualify for in 60 seconds — no impact to your credit.

Start My Construction Loan Match

Fast. Flexible. Built for real estate investors.

🧠 Want to Learn More First?

Get Expert Investment Financing

Matched with investor-friendly lenders
Fast pre-approvals-no W2s required
Financing options fro rentals, BRRRR, STRs
Scale your portfolio with confidence

Submit Your Loan Scenario