Ground-Up Construction Loans

Trusted financing solutions for apartment owners nationwide with competitive rates and flexible terms.

At MultifamilyLender.net, we specialize in ground-up construction loans designed to support commercial developers and investors from concept to completion. With deep industry expertise and personalized guidance, our financing solutions provide the solid foundation your project needs to succeed.

We offer customized loan packages that align with your specific project requirements and underwriting guidelines. Whether you’re seeking Agency, FHA/HUD, CMBS, Private Investor, SBA, USDA B&I, or Construction-to-Perm loans, we are your one-stop solution center.

Construction Lending Solutions

Financing your vision from groundbreaking to completion with tailored construction lending solutions.

1

Bank Construction Loans

Ideal for strong borrowers seeking conventional financing.

Available through traditional Banks, Credit Unions, SBA, and USDA B&I programs.

Typically, full recourse, with some non-recourse options for well-qualified sponsors.

Up to 80% Loan-to-Cost (LTC) with strong financial and development experience.

Emphasis on detailed financial review and project feasibility.

2

Hard Money / Private Lenders

Suitable for borrowers needing speed and flexibility.

Provide up to 75% LTC, with creative and adaptable structures.

Fast closings and streamlined underwriting process.

Higher interest rates and fees compared to conventional lenders.

Often non-recourse, with completion guarantees required.

3

Life Insurance Companies / CMBS Lenders

Primarily participate in permanent financing, with limited appetite for construction loans unless leverage is very low.

Selective and conservative in underwriting.

Offer low interest rates and long amortization terms.

Best suited for stabilized or near-stabilized assets with institutional-grade sponsors.

4

Agency Lenders (Fannie Mae, Freddie Mac, HUD/FHA)

Available exclusively for multifamily projects.

Require comprehensive documentation and longer processing timelines.

Typical leverage is 65%–70% LTC (higher for FHA/HUD programs).

Offer the lowest interest rates and extended amortizations (up to 40 years with HUD).

Ideal for developers seeking long-term, fixed-rate, government-backed financing.

Project Types We Finance

Our construction lending solutions support a wide range of commercial and residential development projects.

Multifamily and mixed-use developments

Multifamily and mixed-use developments

Single-family home developments

Single-family home developments

Healthcare and assisted living centers

Healthcare and assisted living centers

Senior and affordable housing

Senior and affordable housing

Student housing and mobile home parks

Student housing & mobile home parks

Industrial and warehouse facilities

Industrial and warehouse facilities

Hospitality and hotel developments

Hospitality and hotel developments

Retail centers and shopping plazas

Retail centers and shopping plazas

Office buildings, medical facilities, and more

Office buildings, medical facilities, and more

From blueprint to ribbon-cutting, our team is ready to support your next commercial construction venture with clarity, speed, and certainty.

Ready to get started?

Contact us today to speak with a construction lending specialist or submit your project for a custom loan proposal.

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