Los Angeles, CA · Ground-Up Construction Loans
Ground-Up Construction Loans in Los Angeles
Fund land, build, and long-term refi in one seamless loan.
Why Los Angeles investors choose 818
LA is a higher-ticket market where the deal math turns on structure: value-add multifamily recaps, bridge on 1031 clocks, and 2–4 unit plays threaded through city-specific rent-stabilization rules. Coastal title and insurance cycles run slower than inland — the close-day forecast has to price that in, not discover it in week four.
Our edge here: We underwrite LA and city-of-LA rent stabilization (RSO) separately from LA County stock — the DSCR on a stabilized fourplex is a different loan than the same building two blocks outside the boundary.
Ground-Up Construction Loans: Los Angeles 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 — Los Angeles construction loans
Does 818 Capital offer construction loans in Los Angeles?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Los Angeles and the greater Los Angeles County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Los Angeles?
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 Los Angeles neighborhoods do you lend in?
We actively finance construction loans across Highland Park, Leimert Park, North Hollywood, San Pedro, El Sereno, and other submarkets of Los Angeles County.
How fast can 818 Capital close a construction loan in Los Angeles?
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 Los Angeles
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 Los Angeles deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.