New Construction

Construction Loan Program

Direct Lender

T4 Lending is a nationwide direct lender that provides long-term financing for investors who are holding properties for rental income.

Competitive Rates

Alongside competitive and low rates, we offer low origination points and high leverage.

Simple and Fast Process

We combine reliable funding, expedited close times, and a streamlined process to meet all our client needs.

Construction Loan Program

Loan Types:

Collateral:

Term:

Loan Amount:

Leverage:

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Min Fico:

Construction Loan Matrix

About Lending Program

Acquisition, Cash-out & Rehab

1-9 Unit Residential Properties, Mixed-Used

12-Months + extension Options

Loans From $75k to $2MM

Up to 95% of the purchase price + 100% of renovation cost

Rates Start at 7.75%

660+*

Fast approvals and funding since we are not a bank

Negotiable release prices on multi-asset projects

Property types are 1-4 unites, townhomes, condos and mixed-use

Easy Construction Draws

* Below 660 credit score will be reviewed on case-by-case basis.

** Appraisal is only required for loans greater than $1mm and or for "Heavy rehab" projects.

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Frequently Asked Questions

What is a Ground-Up loan?

A Ground-Up New Construction Loan provides financing for builders looking to construct new residential properties. Our straightforward, common-sense approach gets builders the financing they need to get a property ready for sale.

Who is the Group-Up program For?

The Ground Up New Construction Loan is for builders and investors who build new properties and need financing for land and new construction costs. T4 Lending provides loans with terms up to 24 months for your Ground Up projects.

What kind of Ground-Up Projects does T4 Lending Cover?

The Ground-Up program finances projects for residential real estate investment properties with loan amounts between $100,000 and $3 million.

What makes T4 Lending’s Ground-Up loan program different?

T4 Lending’s Ground-Up offers fast approvals and negotiable release prices on multi asset projects. We do not have the “red tape” and multiple decision makers that often encumber conventional lenders. Our senior principals work closely with our borrowers to ensure certainly of execution.