San Antonio 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 San Antonio Rate →San Antonio offers the best price-to-yield ratio among major Texas metros. Military bases (Lackland, Randolph, Fort Sam Houston), USAA, South Texas Medical Center, and Toyota provide massive employment stability. Median prices under $275K with 8%+ rental yields make it a cash-flow investor favorite. Lower appreciation than Austin, but far more predictable.
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 San Antonio metro including Schertz, Cibolo, Converse, Universal City, and Boerne.
San Antonio permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
San Antonio construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical San Antonio 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. San Antonio'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 San Antonio 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 San Antonio. 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 San Antonio 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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