# New Construction | Key Real Estate Capital

*New Construction from Key Real Estate Capital. A new construction loan is short-term financing that covers the cost of land, labor, and materials for building a property until completion and refinancing or sale. Fast closings, competitive rates. Call 619-369-4444.*

## New Construction

A new construction loan is short-term financing that covers the cost of land, labor, and materials for building a property until completion and refinancing or sale.

First-time investor or seasoned pro – we're at your side.

### Rates & Terms

$100K - $20M

Loan Amount

12-24 Months

Construction Term

90% LTC

Max Financing

10.25%

Starting Rate

### Program Details

#### Loan Features

- Interest Rates: Starting at 10.25% (Non-Dutch / As-Disbursed)
- Loan Amounts: $100k to $20M
- Eligible Property Types: All non-owner occupied real estate
- Loan Terms: 12, 18, or 24 months
- Loan to Cost (LTC): Up to 90% of Total Cost Basis
- Loan to After Repair Value (LTARV): Up to 75%
- Minimum Credit Score: 660 FICO
- Additional Perks: Photo Inspections | Advanced Construction Draws

#### Requirements

- Minimum 660 credit score
- No experience required
- Detailed construction budget
- Builder's risk insurance
- GC Verification
- Adequate cash reserves
- Planned exit strategy

### How It Works

#### Pre-approval and Funding

Submit plans and the line item budget; we'll order the appraisal and fund your loan in a timely manner.

#### Build

Complete your construction project with draw advances as you reach milestones.

#### Draw Requests

Request draws as work is completed. Our team processes draws quickly.

#### Exit

Refinance to permanent financing or sell the property upon completion.

### New Construction — frequently asked questions

Direct answers to the questions investors ask most about this program.

#### What is new construction financing?

#### How do construction draws work?

#### How much of a construction project can be financed?

#### What is required before a construction loan funds?

Looking for more? [Browse all real estate lending answers](https://keyrealestatecapital.com/answers).

### Ready to Get Started?

Let our loan specialists help you find the perfect financing solution for your investment.

Flexible, creative lending solutions to help real estate investors scale their portfolios.

NMLS ID: #2676974

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##### Loan Products

- [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip)
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##### Contact Us

- Phone [(619) 369-4444](tel:619-369-4444)
- Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com)
- Office 401 W A St Ste 200 San Diego, CA 92101

##### Markets We Serve

© 2026 Key Real Estate Capital. All rights reserved.

Service Hours: 24/7 | Monday - Sunday

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Key Real Estate Capital — nationwide private capital lender.
Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161