85% LTC. Interest-Only.
Los Angeles builders and investors: ground-up construction financing up to 85% LTC and 75% LTARV. 12-24 month terms. Interest-only during build. Fast draw releases.
Check My Los Angeles Construction Rate →Ground-up construction loans in Los Angeles qualify based on the project — land, budget, plans and projected completed value — plus your build experience, not your W-2 or tax returns. Up to 85% LTC and 75% LTARV, 12-24 month terms, interest-only on drawn funds, first-time builders welcome with experience.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Los Angeles is the second-largest US metro and Kiavi's home market. With prices among the highest in the country, LA investors need lenders who can structure deals at $1M-$5M loan amounts, accommodate condo and 2-4 unit properties, and qualify on rental income alone.
Active investor market with rising rents and gentrification activity
Strong DSCR rental market with consistent appreciation
High-density rental market favored by buy-and-hold investors
Multi-unit DSCR activity with strong cash flow potential
Rapidly appreciating market driven by SoFi Stadium development
We also fund investments throughout the greater Los Angeles metro including Burbank, Pasadena, Santa Monica, Culver City, and the San Fernando Valley.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Los Angeles ground-up construction loans go up to 90% LTC (loan-to-cost) and 75% LTARV (loan-to-after-repair-value).
12-24 months standard. Extensions available if needed. Most spec builders prefer 18-month terms.
Yes, but interest-only on funds drawn — not the full loan. This keeps carrying costs manageable during the build phase.
5-7 business days from inspection. We work with regional inspectors familiar with the Los Angeles market.
680+ for standard programs. 720+ unlocks the best pricing. Experience required (1-2 completed projects).
Yes. Standard for construction projects — provides liability protection during the build phase.
$250K minimum. Maximum $5M+ for qualified borrowers with development experience.
Yes. Los Angeles infill projects are a core market. Custom homes, spec builds, and townhouse projects all qualify.
No credit pull. No commitment. Speak with a licensed financing company that knows the California investor market.
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2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.