New Construction Loans.
Ground-Up Financing for Builders.
Up to 90% of total project cost. 100% of the build budget financed.
What Is a New Construction Loan?
A new construction loan finances a ground-up build of a 1–4 unit property. At LenderX.ai it covers up to 90% of total project cost and finances 100% of the build budget, capped at 75% of after-repair value (ARV).
Draws are released as milestones are completed and verified by inspection. They are not monthly draws.
What Are the New Construction Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | New Construction |
|---|---|
| Leverage | Up to 90% of total project cost |
| Build budget | 100% financed |
| Maximum leverage | Up to 75% of ARV |
| Loan amount | $150,000 – $7,500,000 |
| Term | 12–24 months, interest-only, fixed |
| Prepayment | No prepayment penalty |
| Credit | 680+ (720+ for loans above $4M) |
| Draws | Released as milestones complete, verified by inspection |
| Experience | Maximum leverage with 4+ completed ground-up projects. Newer builders case-by-case |
| Exit | Sale, or roll into a 30-year DSCR rental loan |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
What Can a Construction Loan Cover?
Ground-Up Builds
Vacant-lot builds, teardown/rebuilds, and major expansion projects.
Reserves Financed
Interest reserve and payment escrow can be financed into the loan.
Entitled Land
Land with plans and permits. In-process approvals are OK with a leverage holdback until approved.
Two Exits
Sell the finished home, or roll into a 30-year DSCR rental loan.
Can I Get a Construction Loan With a Short Sale on My Credit?
Sometimes. A ground-up builder with a recent short sale had been turned down by two banks. We structured around the deal quality rather than the credit blemish and funded the project. Every case is underwritten on its own facts.
Real deal. Real outcome.
New Construction Loan Questions We Actually Get Asked
Up to 90% of total project cost, with 100% of the build budget financed, capped at 75% of ARV. Maximum leverage goes to builders with 4+ completed ground-up projects.
Draws are released as milestones are completed, verified by inspection. They are not monthly.
Yes. The interest reserve and payment escrow can be financed into the loan.
Maximum leverage requires 4+ completed ground-up projects. Newer builders are considered case-by-case.
Vacant-lot builds, teardown/rebuilds, and major expansion projects on 1–4 unit properties. The land should be entitled with plans and permits. In-process approvals are OK with a leverage holdback until approved.
12–24 months, interest-only and fixed, with no prepayment penalty.
Sell the finished property, or roll into a 30-year DSCR rental loan.
680+, and 720+ for loans above $4M. All loans are subject to underwriting approval.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.