Staten Island, NY · Ground-Up Construction Loans
Ground-Up Construction Loans in Staten Island
Fund land, build, and long-term refi in one seamless loan.
Why Staten Island investors choose 818
Staten Island is the last NYC borough where 2–4 unit deals regularly clear at under $1M. North Shore corridors — St. George, Stapleton, Port Richmond — pair ferry and SIR access with genuine value-add stock, while the South Shore runs deeper into SFR rental territory. Most of the 1–4 unit inventory sits outside rent stabilization, which keeps DSCR underwriting cleaner than in Brooklyn or the Bronx.
Our edge here: NYC-borough expertise without the stabilization drag — we underwrite Staten Island 2–4 units on straight market rents and close on NYC title timelines.
Ground-Up Construction Loans: Staten 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 — Staten Island construction loans
Does 818 Capital offer construction loans in Staten Island?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout Staten Island and the greater Richmond County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Staten 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 Staten Island neighborhoods do you lend in?
We actively finance construction loans across St. George, Stapleton, Port Richmond, New Dorp, Tottenville, and other submarkets of Richmond County.
How fast can 818 Capital close a construction loan in Staten 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 Staten 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.
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 Staten Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.