Scotsman Guide > Residential > Directories > Niche Lenders

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Owner-Builder Loans


Agoura Hills Financial
AHF will consider loans with this criteria. We are an equity-driven private lender. No minimum FICO. Up to 65% LTV. Contact us today for a quick close!
Lending Territory: Southern CA

Amerifund Home Mortgage
Partner buy-out and all other scenarios considered. We love developers and real estate professionals.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

California TD Funding Inc.
No minimum FICO. We are an equity-driven direct private lender. Property types preferred are non-owner-operated SFR, multifamily & commercial. 65% LTV or less in Southern CA is ideal. All loans are fixed-rates and usually contain no prepay penalties.
Lending Territory: Southern CA

Direct Lending Partners
Owner-builder loans for investment properties only. Min. 580 FICO. Loans must be held in business entity.  New construction loans with 100% financing for vertical costs at a max. 70% ARV. Also owner-builder fix and flip loans at 90% LTC / 70% LTV. 
Lending Territory: AL, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MO, NC, NE, NJ, NY, OH, OK, PA, SC, VA, WA, WI, WV, WY, UT

Inner Core Capital
We specialize in private money NOO residential construction financing up to 70% of finished value. Loans can include land purchase or payoffs. Get plan & permit bridge loans starting at $30K. Shovel ready projects funded quickly. Servicing all of California. Loan amounts up to $3M residential and $5M commercial.
Lending Territory: CA

SDC Capital Funding
We are a private lender based in Los Angeles. We provide bridge financing on residential and commercial properties located in California. We are an asset based lender so we do not require pay stubs, income tax returns, etc. We underwrite loans based on our own guidelines, which allows us to approach underwriting logically and efficiently. We generally lend up to 70% of value, higher with exception.
Lending Territory: CA

Trueline Capital 
Whether you have a small project, have too many projects in the works to qualify for another or have reached your credit limit, we'll work with you to get the financing you need. Here at Trueline Capital, we offer competitive construction, fix & flip and bridge loans to licensed builders for spec, custom and owner-builder projects in the Pacific Northwest. We offer fixed interest rates with no prepayment penalties. 6, 9 or 12-months (extensions available up to 24 months). Up to 75% loan-to-value (LTV) and up to 95% loan-to-cost (LTC). 
Lending Territory: ID, OR, WA 

Seattle Funding Group Ltd.
Loan amounts up to 3M+. Up to 2 year loan term. Loan to Cost up to 85%. Custom draw schedules that support your project. Ability to close within days. Non-owner occupied. We lend to individuals, corporations, LLCs, partnerships, trusts, estates, international investors, etc. No prepayment penalties.
Lending Territory: AK, AZ, CA, CO, HI, ID, NV, OR, TX, WA

Click on the company name to see its contact information from the Residential Lender Directory. Don't forget to tell lenders you found them in Scotsman Guide when you call. Please click here to request adding a topic or lender to this section.



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