New Construction Loans
Financing Built for Builders
Build from the ground up with flexible new construction loans designed for real estate investors.
Maximum leverage options
Multi-project capacity
Soft costs covered
Streamlined draw process
Discover the Benefits of New Construction Financing
New Construction loans are built for real estate investors and developers constructing residential investment properties from the ground up. As a faster, more flexible alternative to traditional lenders, our loans offer reliable access to capital and the support you need for spec builds, redevelopments, and conversions.
Your New Construction Loan, Simplified
Renovate with Confidence. Refinance with Ease. Hold for Cashflow.
Up to
90% LTC
Up to
$2M Loan Size
Up to
70% ARV
12-24 Months
Term
No Interest
on Undrawn Rehab Funds
No Reserves
Required at Closing
Analyze a Property & Get a Quote
Run ARV and DSCR calculations with estimated rental ranges, holding costs, and financing options tailored to real estate investors.
Run a cash flow analysis
$4,300,000
Scattered Site, GA
New Construction Loans for Every Strategy
Tailored loans designed with investors in mind, so you have the capital to invest with confidence.
Speak With a Loan Advisor
Scalable New Construction Solutions for Every Investor
Spec Builders
Whether you’re constructing one home or managing multiple ground-up builds, we provide fast, reliable capital that keeps your projects moving and your margins protected. Flexible draws and high LTC options support your need to act quickly and build confidently.
Growth-Stage Developers
Scaling from single lots to multi-unit builds? Our New Construction loans are built to grow with you. Leverage our experience, high loan limits, and tailored financing solutions to support larger, more complex projects without slowing down.
Institutional-Scale Operators
For builders managing subdivisions, townhome clusters, or repeat delivery models, efficiency is everything. Our team understands your timelines and cash flow needs, offering structured capital, streamlined approvals, and dedicated support to keep your pipeline on track.
LendingOne vs.
Traditional Lenders
| Feature | New Construction Loans | Banks |
|---|---|---|
| Total Project Cost | $450,000 | $450,000 |
| Loan-to-Cost | 90% | 75% |
| Loan Amount | $405.0000 | $337,500 |
| Cash Required from Builder | $45,000 | $112,500 |
| Origination Fee | 1.50% | 1.00% |
| Interest Rate | 9.95% | 8.50% |
| Interest Paid (12 month, draw funds only) | $20,149 | $14,344 |
| Total Cash Invested | $123,776 | $130,281 |
| Cash-on-Cash Return | 173.8% | 101.6% |
Earned 14K profit on a tax-sale deal after a 14-month title delay
Grew portfolio to four properties between 2020-2025 with LendingOne financing.
Overcame tenant default issues, improving rent stability and cash flow.
Testimonials
Recently Funded New Construction Deals
Location
North Bellmore , NY
Location
Plainview , NY
Location
Mantua Township , NJ
Location
Fort Lauderdale , FL
Location
Montrose , CO
Location
Chattanooga , TN
Location
Montrose , CO
Location
Kailua-Kona , HI
Location
Savannah , GA
Frequently Asked Questions
LendingOne provides financing of up to 90% loan-to-cost (LTC) for qualified new construction projects. This structure is designed to help investors maximize available capital while maintaining flexibility to fund land, hard costs, and soft costs associated with ground-up residential construction.
To qualify, LendingOne requires borrowers to have completed at least one ground-up project within the past 36 months. If you lack recent experience, partnering with a licensed general contractor who has a verifiable track record can strengthen your application and improve approval chances.
LendingOne offers New Construction Loans for a wide range of residential investment property types. Eligible projects include single-family residences, 2 to 4 unit properties, condominiums, and townhouses. By focusing on non-owner-occupied properties, LendingOne ensures that funding aligns with the needs of active real estate investors and developers.
LendingOne provides loan amounts between $200K to $2M for new construction loans, giving builders enough financing to complete their ground-up projects.
We offer a virtual draw process that makes submitting requests for construction funds easy and convenient. Simply snap a photo of the project with your phone and upload through the secure mobile app at each project’s milestone, and receive funds in as little as 2 days.
Analyze a Deal and Get a Rate Quote
Run ARV and DSCR calculations, estimate rental income and holding costs, and view financing options tailored to real estate investors.