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SFR Development Financing

Build Your Subdivision Empire

Comprehensive financing solutions for single-family residential subdivision development. From raw land acquisition to completed communities - we fund your vision at every stage.

Land Acquisition & Development Loans
Infrastructure & Utility Development
Construction-to-Permanent Financing
Takeout & Portfolio Refinancing
$5M-$25M
Loan Range
25-45 Days
Approval Time
85% LTC
Max Financing
Development Process

Complete Subdivision Development Financing Ecosystem

We provide strategic financing for every phase of your subdivision development journey, from initial land acquisition through final home sales.

1

Land Acquisition

Secure prime development sites with our land acquisition financing. We evaluate location potential, zoning compliance, and development feasibility.

Up to 80% of land purchase price
Interest-only payments during development
Flexible terms up to 3 years
$2M - $25M
Typical Loan Range
LTV: Up to 65%
Term: 12-36 months
Rate: Prime + 2-4%
2

Infrastructure Development

Finance essential infrastructure including roads, utilities, drainage, and common areas. Our development loans support comprehensive site preparation.

Roads and street improvements
Water, sewer, and utility installation
Site preparation and grading
$5M - $50M
Development Funding
LTC: Up to 80%
Term: 18-48 months
Draws: Progress-based
3

Home Construction

Build multiple homes simultaneously with our construction financing. Optimize cash flow with rolling construction draws and competitive rates.

Multiple unit construction financing
Rolling loan structure available
Spec and pre-sold homes
$1M - $20M
Per Home Loan
LTC: Up to 85%
Term: 12-18 months
Units: 5-200+ homes
4

Takeout & Refinancing

Transition to permanent financing or portfolio refinancing. Optimize your capital structure as homes sell and your community stabilizes.

Permanent portfolio financing
Rental property refinancing
Cash-out refinancing options
$10M - $25M
Portfolio Financing
LTV: Up to 75%
Term: 5-30 years
Amortization: 20-30 years
Requirements

Qualification & Underwriting Standards

Clear, transparent requirements designed to streamline your approval process while ensuring project success.

Developer Requirements

Experience Level

  • Minimum 3-5 years residential development experience
  • Track record of successful subdivision projects
  • Demonstrated ability to manage multiple phases

Financial Strength

  • Net worth requirement: 1.25x total project cost
  • Liquidity: 10-20% of total development cost
  • Satisfactory credit score (typically 680+)

Operational Capacity

  • Experienced development team in place
  • Established contractor relationships
  • Local market knowledge and presence

Project Criteria

Location & Market

  • Primary or strong secondary markets
  • Growing employment and population base
  • Adequate absorption rates for market segment

Development Standards

  • Minimum 5-unit project size (typically 20+ units)
  • All entitlements and approvals in place
  • Clear title and environmental clearance

Financial Metrics

  • Minimum 20% developer equity contribution
  • Debt service coverage ratio: 1.25x minimum
  • Project IRR: 15%+ for development projects

Required Documentation Package

Comprehensive documentation ensures faster processing and approval. Our team will guide you through each requirement.

Legal Documents

  • • Purchase contracts
  • • Title reports
  • • Entity documents
  • • Operating agreements

Financial Statements

  • • Personal financial statements
  • • Entity financial statements
  • • Tax returns (3 years)
  • • Bank statements

Project Plans

  • • Site plans and surveys
  • • Architectural drawings
  • • Engineering reports
  • • Entitlement documents

Financial Projections

  • • Construction budgets
  • • Development pro forma
  • • Market analysis
  • • Absorption studies

Streamlined Approval Process

Our efficient underwriting process is designed to get you to closing quickly while maintaining thorough due diligence.

1

Initial Review

Preliminary evaluation of project and borrower qualifications

24-48 Hours
2

Due Diligence

Comprehensive review of documentation and third-party reports

7-14 Days
3

Committee Approval

Credit committee review and final approval decision

3-5 Days
4

Documentation

Loan documentation preparation and closing coordination

7-10 Days
25-45 Days
Total Timeline to Closing
Get Started Today

Ready to Finance Your Next Development?

Connect with our SFR development specialists and get a customized financing proposal for your project within 24 hours.

Get Your Custom Quote

Tell us about your subdivision development project and we'll provide tailored financing options.

Project Details

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Speak Directly with Our SFR Specialists

Direct Line
(555) 123-4567
Email
sfr.development@lender.com
Schedule Consultation
Free 30-minute strategy session

Why Developers Choose Us

Subdivision Specialists
Dedicated team focused exclusively on SFR development financing
Competitive Terms
Market-leading rates and flexible loan structures
Fast Approvals
15-30 day approval process with experienced underwriters
Relationship Focus
Long-term partnerships with repeat developers

Our Track Record

$2.5B+
Funded in SFR Development
500+
Completed Projects
95%
Client Satisfaction Rate
22 Days
Average Approval Time