RATES STARTING AT 9.75%*
Residential Construction Loans – Build with Confidence
Flexible Financing for Single-Family & Small Multi-Unit Developments
At Trans-Bay Capital, we provide tailored construction loans designed specifically for residential,1-4 unit projects. Whether you're building a single-family home, townhome, or condo, our structured financing solutions ensure you have the capital needed to bring your project to completion efficiently.
With fast approvals, competitive loan-to-cost ratios, and staged funding, our construction loans give investors and developers the flexibility to build without financial constraints.
Why Choose Trans-Bay Capital for Your Residential Construction Loan?
Loan Amounts from $350,000 to $3,000,000 – Scalable financing for small to mid-size residential projects.
Up to 90% Loan-to-Cost Financing – Cover acquisition, materials, and labor costs with structured draw schedules.
Interest-Only Payments – Reduce carrying costs while you build.
Fast Approvals & Closings – Get pre-qualified within 24 hours and close in 3-4 weeks.
No Prepayment Penalties – Flexibility to exit the loan early as your project progresses.
Residential Construction Loan Terms
Ground Up Program
LOAN AMOUNT:
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Min: $350,000
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Max: $3,000,000
PROPERTY COUNT:
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Min: 1, Max: 2
PROPERTY TYPE:
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Residential 1-4 Units
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Townhomes
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Condos
LOAN TERM:
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12 months, Up to 18 at Lender Discretion
MAX LTC:
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Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction Max
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85% of total project costs
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LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/ permits post-closing
MAX LOAN TO ARV:
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Up to 75%
FICO SCORE:
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680 Midscore
EXPERIENCE:
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Previous real estate experience required: 1-2 Ground ups GCs if experience if permits tie to Ground ups
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Guarantors with no experience permitted on a case by case basis
RECOURSE:
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Full Recourse
Experienced Developer Program (3+ Similar Past Projects)
LOAN AMOUNT:
-
Min: $350,000
-
Max: $3,000,000
PROPERTY COUNT:
-
Min: 1, Max: 10
PROPERTY TYPE:
-
Residential 1-4 Units
-
Townhomes
-
Condos
LOAN TERM:
-
12 months, Up to 24 at Lender Discretion
MAX LTC:
-
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction Max
-
90% of total project costs
-
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/ permits post-closing
MAX LOAN TO ARV:
-
Up to 75%
FICO SCORE:
-
680 Midscore
EXPERIENCE:
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Previous real estate experience required: 3+ similar Groundup builds + heavy rehabs with expansion. Professional development / builder
RECOURSE:
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Full Recourse
Who Qualifies for a Residential Construction Loan?
✔ Real estate investors developing single-family and 1-4 unit properties.
✔ Builders constructing new residential homes or small multi-unit rentals.
✔ Developers looking for flexible, draw-based financing for active projects.
✔ Investors purchasing land for ground-up residential development.
How Our Construction Loan Process Works
Step 1: Apply Online – Submit your project details and receive a decision within 24 hours.
Step 2: Loan Structuring & Approval – We tailor your loan to fit your project’s budget and timeline.
Step 3: Closing & Funding – Secure construction-ready capital in 3-4 weeks.
Step 4: Draw Disbursements – Funds are released based on construction milestones.
Build with Confidence – Secure Your Residential Construction Financing
Every great development starts with the right capital. Whether you're building single-family homes, townhomes, or small multi-unit properties, our tailored construction loans provide the flexibility, speed, and funding structure you need to bring your vision to life. Let’s craft a financing solution that aligns with your project timeline and investment goals.
States Where We Provide Lending
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Brokers: Partner with Us & Elevate Your Success
Join Trans-Bay Capital and gain access to exclusive lending opportunities, expert resources, and competitive compensation structures. Partnering with us means leveraging our industry expertise and direct lending advantage to better serve your clients and grow your business.
Register below to start collaborating with a team that’s committed to your success.
Let's Talk
Fill out the form below, and one of our knowledgeable sales team members will contact you directly to discuss your goals and address any questions you may have.