New Construction Loans

couple moving into their new home

New Construction Loans for When You’re Ready to Build

We don’t slow you down. Our streamlined new construction loans let investors scale with fewer restrictions. Once your first Lima One deal is closed, the process becomes plug-and-play. Just send your application, budget, and plan set—then we fast-track you to closing so you can keep building momentum.

New Construction Loan Programs

There are several types of loan programs available, each with its own features and benefits.

New Construction

We specialize in vertical construction loans for infill, shovel-ready, fully entitled lots—whether it’s a single build or a full development. Our financing is built for investors, offering the speed, flexibility, and reliability to bring your vision to life.

  • Up to 90% LTC, 70% LTARV
  • Loans from $100K to $5M
  • 19- and 24- month loan term options
  • Interest-only new construction loans, paying only on drawn funds
  • Fast draw process, funds in as little as four days
  • 1 - 4 Units
  • Rates as low as 10.2%
  • Cashout Refinance Option Available
  • Use fix & flip experience to qualify for new construction financing

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Build 2 Rent

Two-close new construction loan program (one for build, one for the rental) that tackles the build-to-rent strategy.

  • Single property and portfolio loan options
  • Fast, simple closings on both the construction loan and rental loan
  • 19 & 24-month term options for the construction
  • Choose a fixed or adjustable rate mortgage on the rental loan
  • Flexible terms available: fixed rate, interest-only, ARM
  • Discounted fees on a refinance to rental loan

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Bridge Plus

Free up working capital with a bridge loan for new construction financing on completed new home inventory.

  • Fast closing
  • Exterior-only valuations
  • Up to 80% LTV purchase / 75% LTV refinance
  • Non-recourse available
  • 13, 19 & 24-month term options
  • Single loans and portfolio blanket loans

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Each loan program has its own unique features and requirements, so it's important to research and compare the options carefully to find the loan that best suits your financial needs and goals.

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