San Antonio Construction Loan Lenders for Home Builders
Are you building a residential investment property in the San Antonio metro area? On this page you'll find a list of private construction lenders for ground-up projects throughout San Antonio'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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Groundfloor Lending
Fast Funding with Deferred Interest Payments
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Red Rock Capital
Non-Recourse Loans for Self-Directed IRAs & Solo 401(k)s Fix-and-Flip, Bridge, and Long-Term Rental Financing
CR Lending
NO Credit Check, NO Appraisal / Survey, NO Prepay | 100% LTC for Fix & Flip
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Capital Fund 1, LLC
Reliable Private Money for Your Real Estate Projects
i Fund Cities
Direct Lender for Builders and Rehabbers
New Silver
Financing Outside The Box
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Certain Lending
The Mortgage Company Built for Real Estate Investors
Paces Funding
Asset-Based Direct Hard Money Lender for Real Estate Investors in the Southeast and Beyond
Builders Capital
Powering Builders. Driving Growth.
Center Street Lending
Smarter Loans for Residential Investors
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Texas Ground Up Construction Insights from a Local Lender
In the last 2-3 years, the state of Texas has seen a significant rise in migration from other states in the country, due to the rise in interest rates and inflation. Stephen King, an Account Executive at Easy Street Capital, states that this rise has “increased the need for residential new construction.” He also makes a point that not only are people moving their residents to Texas but large corporations are also starting to move their headquarters to Texas, adding to the increased need for ground up construction projects.
This increased migration has created a new trend in the HOA communities throughout Texas. Stephen says in the last 3-5 years investors have been purchasing large lots to build anywhere from a couple hundred homes to a couple thousand homes creating one HOA facility. He says, “instead of doing a single family, most are converting into a duplex or quadplex. So they make the most of what the land has there.”
Popular Markets for Texas Ground Up Construction Projects to Consider
According to Easy Street Capital, the cities that have seen the most influx in residential new construction in the last 2-3 years are Houston, Dallas and Austin. Stephen states that in addition to the larger metropolitan areas in Texas, they have also seen an increase in construction near the coastal areas such as Galveston and Corpus Christi.
Easy Street Capital is a private real estate lender headquartered in Austin, Texas serving real estate investors around the country. They offer financing for ground-up construction, fix and flip, and cash flow investment properties. For their ground up construction financing their max LTC is 82.5% with still abiding at 65% of the after completion value. They have a 48 hour draw process and only do vertical financing, meaning it has to be infield in a metro area and only require one ground-up construction project completed in the last 2 to 3 years to qualify. View their profile to find their contact information and learn more.
