White Plains, NY · Ground-Up Construction Loans
Ground-Up Construction Loans in White Plains
Fund land, build, and long-term refi in one seamless loan.
Why White Plains investors choose 818
White Plains is Westchester's commercial core and transit hub — a 35-minute Metro-North ride to Grand Central keeps rental demand deep across downtown mid-rise units and the 2–4 unit stock in Battle Hill, Fisher Hill, and the Highlands. Corporate relocations and priced-out NYC renters hold vacancy low, but purchase prices demand DSCR structures built on real municipal tax numbers, not county averages.
Our edge here: Our Westchester underwriting runs on municipal-specific tax snapshots and actual rent comps — White Plains taxes are not Yonkers taxes, and the DSCR math has to know that.
Ground-Up Construction Loans: White Plains 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 — White Plains construction loans
Does 818 Capital offer construction loans in White Plains?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout White Plains and the greater Westchester County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in White Plains?
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 White Plains neighborhoods do you lend in?
We actively finance construction loans across Downtown White Plains, Battle Hill, Fisher Hill, Highlands, North Broadway, and other submarkets of Westchester County.
How fast can 818 Capital close a construction loan in White Plains?
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 White Plains
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 White Plains deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.