Construction Loans for Houston Builders.
Fund your ground up construction project with sound underwriting, fast draws, and no bank committee delays.
This loan is built for:
✔️ Builders and investors building residential properties for sale or rent in the Houston area.
✔️ Ground-up construction or full tear-down + rebuild.
✔️ Investors who want a local lender that understands permits, draws, and real build costs.
This is not a line of credit or a construction loan from a bank. It’s a private, project-specific loan for investors who want to move faster than a traditional lender will.
How It Works:
Recent Loans We’ve Funded:
Trusted by Houston Investors:
Why Investors Choose This Loan:
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Faster decisions than a bank committee
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ARV-aware underwriting, not just cost + tax returns
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Clear draw schedule so subs aren’t waiting on funds
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Local team that actually understands Houston construction
We’ve done construction ourselves, and we’ve experienced expensive delays and surprises. Our job is to give you clear numbers, a realistic plan, and honest feedback on whether the project makes sense… before you pour the slab.
- Daniel Ciscomani, Founder & Loan Manager
FAQ:
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Both options are possible, but we prefer if you own the land free-and-clear. We can finance just the vertical construction on land you already own.
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We use a reimbursement draw system:
You or your general contractor complete a phase and request a draw.
We send an inspector.
Once verified, we release funds quickly.
That keeps everyone honest and the project moving. -
If you have plans, budget, and a clean title, we can usually close in 10–21 days, depending on project complexity.
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Experience helps, especially on ground-up builds.
If you’re newer, we’ll look closely at your general contractor and your team. For highly complex or speculative projects, we prefer to see a track record.
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Typically:
Plans or at least a clear scope of work
Detailed budget
Timeline
Entity docs (we only lend to LLCs or legal entities)
Basic borrower info
We keep paperwork as lean as possible while still protecting you and us.
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It happens. The key is communication. If we see an overage coming, we’ll talk through options — extra equity, scope changes, or term extensions where possible. What we won’t do is disappear when things get tough.
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Yes. Many clients build single family and duplexes with a construction loan, and then refinance into a DSCR or conventional loan once the property is completed and leased.