Loan Program · New Construction

Construction Financing From Dirt to Doors

RS Capital funds new construction for builders and developers — up to 90% of loan-to-cost (land + construction), up to 75% of ARV, and no mortgage payments for up to 24 months while you build.

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✓ Up to $5M Loans ✓ Up to 90% Loan-to-Cost ✓ No Payments for 24 Months ✓ Rates From 9.49%

New Construction Program

Program Highlights

Built for builders and developers taking a project from raw land to a completed build — single-family, duplex, triplex, fourplex, or small residential development.

Up to 90% loan-to-cost (land + construction)

Up to 75% of ARV

No mortgage payments for up to 24 months on purchases & refinances

Interest rates starting at 9.49%

Loan amounts up to $5M

Purchase, delayed purchase, rate & term, and cash-out options available

Who It's For

Built for Builders and Developers

Whether you're building to hold or building to sell, this program is structured around your project timeline.

Builders & Developers

Experienced Construction Investors

New Construction Residential (SFR to Fourplex)

Build-and-Hold Investors

Build-and-Sell Investors

LLC & Entity Borrowers

How It Works

From Blueprint to Breaking Ground

An in-house processing team built to move at the pace of your project.

Apply in Minutes

Quick online application — tell us about the project.

Get Your Term Sheet

Same-day terms available, no hard credit pull.

Close & Break Ground

Land and construction funds structured into one loan.

Build & Draw

Draw against your construction budget as work is completed.

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Nationwide Coverage

Construction Loans in Your Market

Licensed and actively funding new construction in 46 states. Explore builder financing in your city.

Houston, TX Dallas, TX Austin, TX Charlotte, NC Atlanta, GA Phoenix, AZ Tampa, FL Orlando, FL Nashville, TN Denver, CO

Common Questions

New Construction Loan FAQ

What's the maximum loan-to-cost on a new construction loan?

Up to 90% of loan-to-cost (LTC), which includes both land and construction costs.

Do I have to make mortgage payments during construction?

No mortgage payments for up to 24 months on purchases and refinances.

What are the interest rates?

Rates start at 9.49%, varying based on the specifics of your deal.

What's the maximum loan amount?

Loan amounts up to $5,000,000.

Can I do a cash-out refinance on a construction project?

Yes. Purchase, delayed purchase, rate and term, and cash-out options are all available.

Do I need construction experience to qualify?

This program is built for builders, developers, and investors with experience — or an experienced team — in new construction.

Get Your Construction Term Sheet

Tell us about your project and a loan advisor will follow up the same day — no cost, no obligation, no hard credit pull.

832-979-6206

Loans@JustSmartCapital.com

Request Your Loan Terms

No obligation. A loan advisor replies same day.