Concord, CA · Ground-Up Construction Loans
Ground-Up Construction Loans in Concord
Fund land, build, and long-term refi in one seamless loan.
Why Concord investors choose 818
Concord is the East Bay's value play — BART-connected workforce housing where 2–4 unit and small-multifamily yields still pencil while core Oakland and Walnut Creek price out. The renter base commutes into the inner Bay; the investor base buys cash flow the coastal submarkets stopped producing years ago.
Our edge here: Bridge-to-DSCR on East Bay value-add is our most-used structure here — acquire fast, stabilize, and refinance into the 30-year without a second close.
Ground-Up Construction Loans: Concord 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 — Concord construction loans
Does 818 Capital offer construction loans in Concord?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Concord and the greater Contra Costa County, East Bay market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Concord?
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 Concord neighborhoods do you lend in?
We actively finance construction loans across Downtown Concord, Monument Corridor, Clayton Valley, West Concord, and other submarkets of Contra Costa County, East Bay.
How fast can 818 Capital close a construction loan in Concord?
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 Concord
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 Concord deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.