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  • Writer's pictureREI Gap Funding

New Construction Loans

Ground-up construction financing for builders and investors

Our Construction Loans provide builders and investors the financing they need for ground-up construction and land acquisition. Speak with our New Construction Experts & Learn More About our Products: Schedule a quick Consultation today!


Here are some Key Facts about our New Construction Loans

  • Ideal for build-ready infill, tear down, and spec homes in urban areas

  • Line of Credit to build Multiple Properties

  • Not for tract home projects or new subdivisions (10+ homes)

  • Mid-Construction financing options available

  • Loans available for single family and multi-family properties

  • 12 or 18 month loans terms

  • Foreign Nationals eligible

  • Build up 5 properties at a time


Real Estate New Construction Loan Purpose

New Construction Loans are great products for developers and investors building Ground-up construction of 1-5 properties at a time with Lot financing, if lots are in build-ready condition. When applying for this loan National Private Lending also get you approved for a Real Estate Investing Line of Credit, which allows you to do multiple transactions simultaneously. Real Estate Lines of Credit are for experienced large volume investors, with options for inexperienced investors. New Construction Loans can be used for purchase and refinance transactions.


Why Choose a Fix & Flip Line of Credit?

  • The Real Estate Line of Credit is designed for investors who need funding for multiple flips and renovations.

  • Applying for a Real Estate Line of Credit is easy and allows investors to close deals quickly.

  • As you fund more property loans with us and gain experience, your terms will improve.

  • Real Estate Lines of Credit allows you to do Extensive Rehab for larger renovation projects.

New Construction Loan Interest Rate starts at 6.75% but vary depending on the risk of the loan so always feel free to give us a Call for a Quote, we'll ask you a few simple questions and we'll be able to give you a quote instantly. Schedule a quick Quote today!


New Construction Loan Amount start at a minimum of $100,000 minimum

Single Unit properties and up to $1MM / Multi-Unit (2+) properties goes up to $1.5MM, if your property or project requires more ask about our New Construction Plus for 5MM, 10MM and 20MM+ Construction projects (extensive track record is required).


New Construction Loan Terms are 12 months as standard with an extended option up to 18 months if needed. (Subject to loan level pricing adjustment)


Construction Loans for real estate have 2 different types of structures you can choose from to finance your next investment property,

1. Finance it under your individual name, or

2. Under your corporation, LLC or Entity you own.


Our New Construction Loans requires a Minimum of (1) New Construction experience for Max leverage or (1) Fix & Flip experience for reduced leverage. Experience is based on a 36 month lookback period. So Fix and Flip Real Estate investors are welcome! as a side note, property loan pricing, leverage and required reserves will be determined based upon experience.


Maximum Leverage for Purchases, Purchase a Property for a New Construction Project with National Private Lending Construction loans for maximum leverage... Maximum LTV for a Single Unit: up to 70% LTV / Multi-Unit (2+): up to 65% LTV. Maximum LTC for a Single Unit: up to 85% LTC / Multi-Unit (2+): up to 80% LTC.

Funding up to 100% construction budget up to % Approved LTV of Total Cost


Refinance a Fix and Flip Property, if you are looking to refinance an existing, in progress New Construction property and you are looking for Maximum Leverage, our Real estate New Construction Loans are perfect for it. Maximum LTV for a Single Unit: up to 70% LTV / Multi-Unit (2+): up to 65% LTV. Maximum LTC for a Single Unit: up to 85% LTC / Multi-Unit (2+): up to 80% LTC. Funding up to 100% construction budget up to % Approved LTV of Total Cost🤯


One of the questions we get all the time from investors is, When do we use LTV vs LTC? for New Construction loans. Well, Generally, we use the lesser of LTV or LTC calculation [Purchase Price + cost of work to be completed (verified and provided by Inspector)]


New Constrcution Loans are specifically to buy ready to build land - build and sell and we fund up to 100% of the Construction budget up to % Approved LTV of Total Costs including hard costs, soft costs, GC fees, contingency fees and more.


REI New Construction Loans you can be used for all your Non-Owner Occupied properties or investments, including the following types:

  • Single Family Residences (SFR)

  • 2-4 unit properties

  • Multi-family 5-20 unit properties

  • Mixed-use

  • Detached or townhouse style condos

Finally, New Construction Loans for Foreign Nationals are allowed up to 85% LTC or 70% LTV of the investment property, with the exception of ineligible countries, you can find a list of ineligible countries here.


Why Choose a Fix and Flip Line of Credit?

  1. The Real Estate Line of Credit is designed for investors who need funding for multiple flips and renovations.

  2. Applying for a Real Estate Line of Credit is easy and allows investors to close quickly.

  3. Grow with us, as you fund more property loans with us and build a relationship, your terms may improve. Extensive Construction financing is available for larger New Construction projects.

To Speak with a New Construction Expert & Learn More About our Products:


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