Idaho Construction Lenders for Residential Investment Property
Are you building a residential investment property in Idaho? On this page you'll find a list of private construction lenders for ground-up projects throughout Idaho's urban areas. The maximum loan-to-completed value (LTCV) for most lenders in Idaho is 70%. You typically need to contribute 20%-25% of the project costs and have some cash reserves. Development 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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Funded Residential Ground-Up Construction Loans in Idaho

The Opportunity
On this build in the Boise suburbs, the investor had purchased the lot for $185,000 and planned for a construction budget of $597,500. The new construction loan from Lima One would cover 90% of the blended loan-to-cost for both the land and the property. The builder had a contract on the three-bedroom, three-bathroom home for $970,000 before construction was complete, ensuring a $200,000-plus profit on the build. This build was one of three in Eagle, Idaho, that this experienced builder financed with Lima One Capital in early 2022 in the heart of a market with the strongest home price appreciation at the time.
The Solution
Lima One’s interest-only, fixed-rate 13-month loan and efficient construction draw process helped the builder execute quickly to complete the build and claim the profit. Plus, the builder did not have to pay interest on undrawn construction funds, making the loan terms even more beneficial. The builder’s first three loans with Lima One came with a simple, clear process because the builder knew he was preapproved for $2 million in exposure. That allowed the builder to profit from three new builds in a hot market, and then recertify for future builds financed by Lima One.
The subject property was newly built. This SFR ground-up construction loan was funded in July 2022.