Financing That Keeps Crews Moving
When you've delivered projects before, financing should reflect it. We structure construction capital around your build cadence, your numbers, and your track record.
-
Spec Builds Without Pre-Sales
Proven builders can fund speculative single-family and multi-unit builds without pre-sale or tenant commitments — build to the market you already know.
-
Construction-to-Permanent
One closing, one set of fees. Lock permanent terms during construction and convert automatically at completion — no second approval scramble.
-
Builder Track-Record Framing
A documented history of completed builds unlocks higher leverage and faster commitments. Your portfolio of finished projects is the qualification.
-
Draw Schedules That Fit Your Cadence
Draws release on your milestones — foundation, framing, lock-up — with interest only on disbursed funds and inspection timing that matches your schedule.
-
Major Renovation & Conversion
Fund gut renovations, adaptive reuse, and value-add repositioning based on the After-Repair Value — purchase plus renovation in one facility.
-
Working With Experienced GCs
Bringing a strong general contractor to a project strengthens the file. We structure deals around the experienced teams that get builds across the line.
Financing Hubs for Your Next Build
From a single spec home to multi-residential — explore the program that matches your project.
-
Development & Construction
Ground-up construction, spec builds, construction-to-permanent, and draw financing.
-
Commercial Mortgages
Office, retail, industrial, and mixed-use financing for builders and operators.
-
Multi-Family Financing
5+ unit apartment and rental financing — for new builds and value-add projects.
-
CMHC MLI Select
CMHC-insured multi-residential financing up to 95% LTV — the take-out for qualifying builds.
“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super…”
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
Builder & Contractor Financing FAQ
Common questions from experienced builders and general contractors financing construction.
Spec & Construction Loans
Qualification
Lining up your next build? Let's structure construction capital that matches your track record.
Book a Builder Strategy Call