Bellevue, WA · Ground-Up Construction Loans
Ground-Up Construction Loans in Bellevue
Fund land, build, and long-term refi in one seamless loan.
Why Bellevue investors choose 818
Bellevue is the Eastside's premium rental market — Microsoft, Amazon, and the tech corridor keep vacancy near zero and rents at the top of the state. Entry prices compress cap rates, so deals here are appreciation-plus-durability plays: strong-credit tenants, long tenancies, and collateral that holds value through cycles.
Our edge here: Low-cap-rate, high-quality collateral needs reserve-backed DSCR flexibility, not an auto-decline — we structure Bellevue the way we structure Cary and Torrance: on rent depth and durability.
Ground-Up Construction Loans: Bellevue terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Bellevue construction loans
Does 818 Capital offer construction loans in Bellevue?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Bellevue and the greater Eastside, King County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Bellevue?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Bellevue neighborhoods do you lend in?
We actively finance construction loans across Downtown Bellevue, Crossroads, Lake Hills, Factoria, Eastgate, and other submarkets of Eastside, King County.
How fast can 818 Capital close a construction loan in Bellevue?
Our typical close time for a Ground-Up Construction Loans is 30–45 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Bellevue
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans in other markets
Ready to close your Bellevue deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.