How to Finance Suburban Infill Development
Suburban infill projects are financed with our ground-up construction loan: up to $5,000,000, leverage sized on total project cost and confirmed per deal, a 12-36 month term, interest-only on a draw schedule, and a FICO of at least 680. A licensed contractor and construction experience are required. What the budget covers and state availability are confirmed per deal.
Key loan facts
- Loan amount
- $100,000 to $5,000,000
- Loan type
- Ground-Up Construction
- Eligible properties
- Ground-up residential construction
- Term
- 12-36 month term, interest-only on a draw schedule
- Minimum FICO
- Minimum FICO 680
Commercial purchase and rate-and-term refinance: up to $5 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing. Not eligible: owner-occupied residential. Limits vary by program, property and deal, and we confirm them for each deal.
Lending Guide
Program Details
Eligible Asset Types
- Ground-up residential construction
Underwriting Guidelines
- Leverage is sized on total cost, confirmed per deal
- 12-36 month term, interest-only on a draw schedule
- Minimum FICO 680
- Licensed contractor and construction experience required
- State availability is confirmed per deal.
Who This Is For
- Builders and developers with a licensed contractor and construction experience
Who This Is Not For
- Projects without a licensed contractor
Development and construction financing is subject to budget review, plans and permits, sponsor experience, market feasibility, exit strategy, and inspection/draw controls.
Frequently Asked Questions
Ready to start a loan request?
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.