Most borrowers receive a conditional pre-approval within 1 hour after submitting their initial loan request. Full approval and funding typically occur within 3 to 10 business days, depending on project complexity and documentation.

We provide financing for ground-up residential builds (single-family, multi-family up to 20 units) and select commercial projects. Properties must be located in Texas and meet local zoning and permitting guidelines.

Prior experience is preferred, but not mandatory. First-time investors may qualify if they are working with a licensed general contractor with experience in Texas-based builds.

LTC (Loan-to-Cost) refers to the percentage of the construction budget we will fund. ARV (After-Repair Value) is the projected value of the property after completion. Our loans are based primarily on LTC but we also review ARV for exit strategy and resale potential.

Loan proceeds are released in draws tied to project milestones. Each draw requires a quick inspection to verify completed work. Funds are usually released within 24–48 hours of inspection approval.

Yes. If you already own the land or have substantial equity in it, this can count toward your down payment or initial capital contribution.

We fund construction projects throughout Texas, including rural areas, provided there is clear resale or rental potential based on market demand and appraisal data.

Typical fees may include an origination fee, inspection fees, appraisal (if required), and title/escrow costs. All fees are disclosed clearly in the LOI and closing documents.

Absolutely. Many of our clients use our short-term construction loan to build and then refinance into a long-term rental loan or DSCR loan after project completion.