New Construction financing
Ground-up financing from groundbreaking to completion — for builders and investors developing single-family and 1–4 unit investment properties.
New Construction Highlights
- Up to 90% LTC
- Interest reserves built in
- 1–4 unit eligible
- First-time builders eligible with experienced contractor support
- Streamlined draw process
How New Construction works.
Whether you're building to sell or hold as a rental, our New Construction financing solutions are designed to support your project from groundbreaking to completion. From single-family homes to ground-up four-unit investment properties, we provide flexible funding options tailored to both first-time builders and experienced developers.
Our streamlined construction lending programs offer the speed, leverage, and reliability investors need to keep projects moving efficiently and on schedule. Once construction is complete, you can transition seamlessly into your preferred exit strategy — sell for a profit, or refinance into a long-term rental with a Focus DSCR loan.
No matter your vision, our team's funding process is built to help you scale faster and build with confidence.
What you'll need to apply.
A short checklist to get your file moving. We'll let you know if anything additional is needed for your specific scenario.
General documents
- Valid government-issued photo ID
- 2 months most recent bank statements
- Entity documents: articles of incorporation, operating agreement, EIN letter, state certificate of good standing
- Insurance declaration page
If you're buying
- Signed purchase agreement
- Subject property lease (if tenant-occupied)
- Purchase agreement addendum and counter offers, if applicable
If you're refinancing
- Mortgage payoff request
- Subject property lease agreement
Ready to fund your next deal?
Submit a scenario or speak with an advisor — we'll have eyes on your deal within the hour.
Explore more loans.
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