Phoenix, AZ · Ground-Up Construction Loans
Ground-Up Construction Loans in Phoenix
Fund land, build, and long-term refi in one seamless loan.
Why Phoenix investors choose 818
Phoenix remains one of the strongest DSCR markets in the country — SFR rentals in West Phoenix, Maryvale, and Glendale pencil at 7–9%+ gross yields, and STR regulation is relatively investor-friendly in Scottsdale and Tempe.
Our edge here: Fix-and-flip in Phoenix: 90% LTC, 75% ARV, 12-month terms, no income docs.
Ground-Up Construction Loans: Phoenix 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 — Phoenix construction loans
Does 818 Capital offer construction loans in Phoenix?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Phoenix and the greater Maricopa County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Phoenix?
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 Phoenix neighborhoods do you lend in?
We actively finance construction loans across Maryvale, Glendale, Scottsdale, Tempe, Mesa, Chandler, and other submarkets of Maricopa County.
How fast can 818 Capital close a construction loan in Phoenix?
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 Phoenix
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 Phoenix deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.