Costa Mesa, CA · Ground-Up Construction Loans
Ground-Up Construction Loans in Costa Mesa
Fund land, build, and long-term refi in one seamless loan.
Why Costa Mesa investors choose 818
Costa Mesa sits one zip code inland from Newport at a meaningful discount, with rental demand fed by the OC job core and a steady renter base that can't buy in. Eastside cottages, 2–4 unit stock near 17th Street, and small multifamily off Harbor all trade actively — and ADU additions are rewriting the unit math on ordinary SFR lots.
Our edge here: We underwrite ADU income on Costa Mesa properties when the unit is permitted — that swing often takes a deal from declined to funded.
Ground-Up Construction Loans: Costa Mesa 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 — Costa Mesa construction loans
Does 818 Capital offer construction loans in Costa Mesa?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Costa Mesa and the greater Orange County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Costa Mesa?
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 Costa Mesa neighborhoods do you lend in?
We actively finance construction loans across Eastside Costa Mesa, Westside, Mesa Verde, South Coast Metro, and other submarkets of Orange County.
How fast can 818 Capital close a construction loan in Costa Mesa?
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 Costa Mesa
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 Costa Mesa deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.