Austin real estate developers: ground-up construction financing for spec homes and investor projects. Up to 85% of total costs. Draw schedules aligned to milestones.
Check My Austin Rate →Austin's tech migration reshaped the market permanently. Tesla HQ, Apple's $1B campus, Oracle, Meta, Google, and a constant inflow of California founders keep demand high. Higher entry prices compress cash flow, but appreciation has averaged 8-12% annually for the past decade. Premium suburbs like Round Rock and Cedar Park offer better yields.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
We also fund investments throughout the greater Austin metro including Round Rock, Cedar Park, Pflugerville, Leander, and Georgetown.
Austin permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Austin construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Austin draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.
Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Austin's strong market makes take-outs reliable.
Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.
First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.
10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.
Construction loans in Austin run 12-24 months. Most spec builds complete in 9-14 months.
Most lenders require permits in-hand or at final approval before funding vertical construction.
Yes. Build-to-rent is strong in Austin. Close with construction loan, build, take out with 30-year DSCR at CO.
Most programs require 680+ FICO. Strongest pricing at 720+.
Construction loans in Austin range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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