Residential Ground Up Construction Financing

At Savi Ranch Capital, we specialize in providing flexible and efficient financing for residential ground-up construction projects. Whether you're constructing a single-family home, a multi-unit property, or a high-end custom residence, our loan programs are designed to meet your specific needs and timelines.

• Loan Amounts: From $100,000 up to $10 million
• Loan-to-Cost (LTC): Up to 90% of the purchase price
• After-Repair Value (ARV): Up to 75% financing based on ARV
• Rehabilitation Costs: Financing up to 100% of rehab expenses
• Interest Rates: Competitive rates based on borrower profile
• Loan Terms: 6 to 18 months
• Payment Structure: Interest-only monthly payments; no interest reserve required
• Disbursement: Access up to 20% of the rehab budget within 3 days post-escrow closing
• Lien Position: First position only
• Prepayment Penalty: None
• Availability: Lending available in all states except NV, SD, ND, MN, OR, and VT
   

• Entity Type: Corporations or Limited Liability Companies (LLCs) preferred
• Income: Demonstrated reasonable existing income
• Reserves: Cash reserves of approximately 5–10%
• Net Worth: Reasonable net worth
• Credit Score: Minimum of 660
•  Experience: Must have successfully completed similar construction projects or have prior experience with fix-and-flip or rental property investments. 
• Exit Strategy: A Clear and feasible exit strategy required
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• Residential: Non-owner occupied single-family homes
   
• Condominiums: Non-owner occupied, warrantable units
   
• Multifamily: Non-owner occupied 2–4 unit properties