Long Island, NY · Ground-Up Construction Loans
Ground-Up Construction Loans in Long Island
Fund land, build, and long-term refi in one seamless loan.
Why Long Island investors choose 818
Long Island investor demand is concentrated in North Shore SFR flips, Nassau County 2–4 unit rentals, and growing STR pockets on the South Shore and East End. LI is where we have the deepest referral network — contractors, realtors, and attorneys who bring us 818 clients weekly.
Our edge here: We're based on Long Island. Our inspectors, attorneys, and title teams are local. Close in 21 days on Nassau/Suffolk deals is our norm, not our ceiling.
Ground-Up Construction Loans: Long Island 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 — Long Island construction loans
Does 818 Capital offer construction loans in Long Island?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Long Island and the greater Nassau & Suffolk Counties market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Long Island?
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 Long Island neighborhoods do you lend in?
We actively finance construction loans across Glen Cove, Hempstead, Huntington, Babylon, Riverhead, Montauk, and other submarkets of Nassau & Suffolk Counties.
How fast can 818 Capital close a construction loan in Long Island?
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 Long Island
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.
Multifamily Bridge & Permanent
5+ unit properties. 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 Long Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.