Ground-Up Construction Loans in California
Win-Win Capital Funding finances ground-up construction across California, from single spec homes and build-to-rent townhomes to apartments, mixed-use and commercial projects, through our construction lenders and more than 2,000 capital partners.
California ground-up construction loans programs
| Program | Leverage | Term / notes |
|---|---|---|
| 1–8 unit residential | Up to 85% LTC (2–4 builds) / 90% (5+), max 75% of ARV | 12–24 mo interest-only |
| Build budget | 100% held back | Released in inspected draws |
| Land you own | Land equity credited | Pays off land debt |
| Apartments, mixed-use, commercial | Varies by project | Construction to perm options |
What we finance in California
- Spec homes and luxury single-family
- Build-to-rent homes and townhomes
- Infill lots, duplexes and small multifamily
- Apartments (9+ units), mixed-use and subdivisions
- Commercial ground-up projects
- Refinance of land you already own
Areas we serve in California
- Los Angeles
- Sacramento
- San Diego
- San Francisco
- San Jose
We also lend in suburban, rural and resort markets throughout California.
More California financing
Fix & flip loans in California · Hard money in California · RV park financing in California · Business second mortgage in California · DSCR Loans in California · Bridge Loans in California · SBA 7(a) Loans in California
Investors in nearby states can see Ground-Up Construction Loans in Oregon, Ground-Up Construction Loans in Nevada, Ground-Up Construction Loans in Arizona.
Terms are representative and subject to underwriting, appraisal, builder experience and state availability. Construction loans are business-purpose loans. This is not a commitment to lend.