Rates from 9.99%Construction loans for real estate investors
Ground-up financing for builders and investors.
All about our construction loans
- Ideal for build-ready infill lots, teardowns, and spec homes
- Not for tract homes or subdivisions of 10 or more homes
- Mid-construction options available
- Single-family and multifamily projects
- 12 or 18-month terms
How a construction loan can work for you
- Land acquisition assistance is available when needed.
- Finance more than one project at the same time.
Construction Loans program details
| Loan purpose | New construction: build-ready infill, teardowns, and spec homes; not tract homes or subdivisions of 10+ homes |
|---|---|
| Interest rate | As low as 9.99%1 |
| Loan amount | $300K to $10MM |
| Term | 12 or 18 months; mid-construction options available |
| Borrower | Individual or entity |
| Experience | Based on the prior 36 months |
| Maximum loan-to-value | 65% to 70%7 |
| Maximum loan-to-cost | 80% to 85%8 |
| LTV vs. LTC | Whichever calculation works best for your project |
| Construction financing | Up to 100% of construction costs |
| Land | Land acquisition assistance available10 |
| Property types | Single-family, detached ADUs (DADUs), 2–4 units, 5–20 unit multifamily, mixed-use, townhouses, condos |
How it works
- Request a quote.Tell us about the property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers.We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund.We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about construction loans
What kinds of construction projects qualify?
Build-ready infill lots, teardowns, and spec homes, including single-family homes with detached ADUs, townhouses, condos, 2–4 unit and 5–20 unit multifamily, and mixed-use. Tract homes and subdivisions of 10 or more homes are not eligible.
How much of the project can be financed?
Up to 80–85% of total cost or 65–70% of completed value, whichever works better for your project, with up to 100% of construction costs funded.
How are construction loan funds disbursed?
Construction funds are released in draws as work is completed and inspected, so you pay interest only on what has been drawn.
Can I get financing partway through construction?
Yes. Mid-construction options are available for projects that have already started.
What experience do I need?
Eligibility is based on your construction activity over the prior 36 months.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges from 0.5 to 2 points depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.
Find out what B-Line can do for you
Compare offersFrom up to 3 lendersGet a quote for a loan program that’s tailored to your needs
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Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital
Michael Schatz 
Founder & Chief Lending Strategist, B-Line Capital
Michael Schatz leads B-Line Capital, a private money brokerage that helps real estate investors, builders, and developers finance rental, bridge, fix & flip, construction, and commercial bridge loans by comparing offers from private lenders, family offices, and commercial capital sources.
His expertise includes private money lending, hard money loans, DSCR lending, bridge and construction financing, commercial real estate debt placement, structured data strategy, and AI visibility optimization for modern search and answer engines.
Areas of expertise:
- Private Money Lending
- Hard Money Loans
- Rental Property Loans
- DSCR Loans
- Investment Property Loans
- Bridge Loans
- Fix & Flip Loans
- Construction Loans
- Commercial Bridge Loans
- Debt Placement & Capital Structuring
- Structured Data Strategy
- AI Visibility Optimization