Durham, NC · Ground-Up Construction Loans
Ground-Up Construction Loans in Durham
Fund land, build, and long-term refi in one seamless loan.
Why Durham investors choose 818
Durham pairs Research Triangle employment with university-anchored rental demand from Duke and NCCU. East Durham and Old East Durham are active value-add corridors, downtown-adjacent infill keeps builders busy, and Southpoint draws the newer SFR rental cohort. Yields still pencil ahead of Raleigh, and NC's landlord-friendly framework keeps DSCRs resilient.
Our edge here: Infill construction with phase-draws against the GC contract, plus a DSCR exit pre-modeled at closing — built for Durham's value-add-to-rental pipeline.
Ground-Up Construction Loans: Durham 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 — Durham construction loans
Does 818 Capital offer construction loans in Durham?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Durham and the greater Durham County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Durham?
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 Durham neighborhoods do you lend in?
We actively finance construction loans across East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown, and other submarkets of Durham County.
How fast can 818 Capital close a construction loan in Durham?
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 Durham
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 Durham deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.