Orange County Construction Lenders for Residential Investment Property
Are you building a residential investment property in Orange County? On this page you'll find a list of private construction lenders for ground-up projects throughout Orange County's urban areas. The maximum loan-to-completed value (LTCV) for most lenders is 70%. You typically need to contribute 20%-25% of the project costs and have some cash reserves. Experience is almost always required. Most lenders will require the project to be fully entitled and shovel ready. A small percentage of lenders will consider land acquisition and/or horizontal financing. The lenders listed here can fund a single home build, or a development with multiple homes. We have a separate page for lenders that offer ground-up construction financing for commercial properties.Searching...
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Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Easy Street Capital
Direct Lender for Residential Flips and Rentals
Secured Capital Lending
Direct Private Lender for California Investment Properties
Center Street Lending
Smarter Loans for Residential Property Investors
Finance of America Commercial
Residential Real Estate Investment Loans Made Simple
Cityscape Finance, LLC
Price a Loan Online and Get Pre-Qualified Instantly
Nationwide Mortgage - California
Bridge, Rehab, Construction, & Rental
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
California Construction Loan Stats
According to private lending data provider, Analytics Logics, the average interest rate for fix & flip loans in California is 10.99%. The average loan amount is $1,517,312. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Private construction loans are typically for the vertical costs of building residential properties which will be sold or rented upon completion. Some lenders will participate in the land acquisition, but the majority only provide financing once the project is shovel-ready with building permits in hand.
Residential Construction Loan Transactions in Orange County
Private Construction Loan for 2 Custom Homes in Huntington Beach, California
$1,300,000
Carlyle Capital, a private money lender, funded a $1.3 million 1st lien position ground-up construction loan for a residential property in Huntington Beach, California. The Owners purchased one large lot and plan to develop it into two separate properties, side by side. The $1.3 million in funding was needed to begin construction on one of the two properties. An additional $1.4 million of funding was secured for the second lot through Carlyle Capital as well. The Developers plan on creating two properties that are both modern yet fit into the aesthetic of the neighborhood seamlessly. The piece of property is a diamond in the rough, right in the heart of beautiful Huntington Beach, a few short miles from iconic Surf City, USA. The interest rate was 8%, loan-to-cost was 90%, after-repair-value was 65% and the loan term was 12 months. This SFR private construction loan was funded in November 2018