New Construction
Build more. Pay later.
Ground-up construction financing for real estate investors nationwide — build-to-rent, spec homes, custom builds, and commercial development, with deferred payments and draw-based disbursement.
What is it?
What is a New Construction Loan?
A new construction loan is short-term, business-purpose real estate financing used to fund ground-up development — including land in some cases, materials, labor, and overall construction costs. Underwriting focuses on the viability of the project, the builder's experience, and the property's projected value on completion (ARV). Funds are released in stages as construction milestones are met, which helps you manage cash flow throughout the build. All loans are subject to underwriting and final lender approval.
Why investors choose our new construction program
- Nationwide lending — available in all 50 states*
- Programs for both beginner and experienced builders
- Build-to-rent, development, spec builds, and custom homes
- 10–20% down payment based on experience and project strength
- Deferred monthly payments for 18–24 months (program dependent)
- Interest rates starting at 8.99% for best-qualified borrowers*
- Streamlined approval process built for investor timelines
- Loan structuring based on the strength of the project
Types of projects we fund
From a single spec home to a portfolio of rental units, we structure capital around the build you're actually doing.
Build-to-Rent (BTR)
Develop rental properties designed for long-term cash flow and portfolio growth, with an exit into permanent or DSCR financing.
Custom Homes
Finance custom residential builds for investors or end buyers, structured around your plans, budget, and draw schedule.
Spec Homes
Build to sell in high-demand markets, with leverage sized to your total budget and projected after-repair value.
Who We Work With
- New investors (via GC experience)
- Experienced investors
- Residential and commercial developers
Loan Parameters
Loan Type
New Construction / Ground-Up
Loan Amount
Based on project scope
Down Payment
10% – 20% (based on experience)
Interest Rates
Starting at 8.99%*
Payments
Deferred options for 18–24 months
Credit Score Required
660
Reserves
Must show 15% of total build budget
Experience
Not required in select programs
Disbursement
Draw schedule based on construction progress
Qualifications
- Minimum credit score: 660
- 15% reserves of total build budget required
- Soft credit inquiry for pre-qualification — no impact to your score (hard pull only at/near closing, with your authorization)
Required Documents
- LLC
- EIN
- Operating Agreement
- Business Bank Account
- Plans
- Survey
- Title, Insurance & Closing Information form (download below)
Coverage
National program — nationwide lending
Key Features
- Deferred monthly payments for 18–24 months
- Down payments from 10–20% depending on experience
- Draw-based disbursement tied to construction progress
- Available for new and experienced investors
- Residential and commercial development
Soft credit check first — no impact to your score.
Checking what you qualify for uses a soft credit inquiry only and does not affect your credit score. A hard inquiry happens later, at or near closing, only with your written authorization and only if the lender requires it.
Required: Title, Insurance & Closing Information form
We begin Title (TCR) and Insurance (EOI) requests immediately upon receipt of this form — submitting it early protects your closing date.
Download the form (PDF) →New to ground-up construction?
You may still qualify. We offer programs for investors with no prior construction experience when the deal and the team behind it are strong.
- You work with a qualified, licensed General Contractor
- The project meets our lending criteria and budget review
- You meet the required reserves and credit profile
Ask us how to qualify as a first-time builder — eligibility is determined case by case and is subject to underwriting approval.
How our construction loan process works
A clear path from submission to exit, so you always know what happens next.
Step 1
Submit your project
Share your budget, timeline, contractor information, and full property specifications so we can evaluate the deal accurately.
Step 2
Get approved & structured
We review the project and structure a funding plan built around your build — leverage, draws, and term, subject to underwriting approval.
Step 3
Build & draw funds
Funds are released in stages as construction milestones are completed and verified through inspection.
Step 4
Complete & exit
Sell, refinance into long-term or DSCR financing, or hold the completed property for income.
Ideal Client Profile
Is this loan right for you?
- Developer or investor with land and plans in hand
- Working with a qualified General Contractor
- Ground-up residential or commercial project
- Ready to move fast on a strong deal
Why clients choose us
- "Clear, transparent terms — you know your structure, costs, and draw schedule up front."
- "Fast, strategic reviews so a strong deal isn't held up by unnecessary delays."
- "Flexible programs for both first-time builders and seasoned developers."
- "Funding structured around your numbers so the deal actually pencils."
Disclosures
- • Rates quoted are the lowest available starting rates for best-qualified borrowers and are not an offer or commitment to lend. As of August 2026, typical new construction and ground-up loan rates range from approximately 8.99% to 11.99%, plus origination points and customary closing costs.
- • Rates, points, fees, leverage, draw schedules, and terms vary by lender, credit profile, borrower experience, project type, budget, and market conditions, and are subject to change at any time without notice. Reserves, down payment, and other requirements may vary by program. All loans are subject to underwriting approval. Business-purpose and investment-property loans only — not for owner-occupied residences.
- • *Nationwide availability, program terms, and eligibility vary by state and by lending partner; not all programs are available in every state. Pre-qualification uses a soft credit inquiry with no impact to your credit score; a hard inquiry may occur at or near closing with your written authorization.
- • Estimated timelines are not guarantees. Draw disbursements are subject to inspection, lien waivers, and satisfactory verification of completed work. Coast to Capital Consulting LLC is not a licensed contractor and does not provide legal, tax, or investment advice.
Ready to fund your next deal?
Start a quick application in minutes. Our lending partners will match you with the right program for your project.