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Brickline provides New Construction Loans in Lexington for real estate investors focused on eligible ground-up residential investment projects. Our financing is designed for situations where the land, construction plan, and project timeline are central to the deal.
Investors can use this financing for eligible land acquisition, funding the construction phase, and managing the project through to its planned sale or refinance exit.
Lexington Construction Financing
New Construction Loans are essential when an investment project involves building a residential property from the ground up. This specialized financing supports the various stages of construction, from initial land preparation to final completion.
For investors, the right construction financing depends on the project’s scope, the construction budget, the build timeline, and the intended strategy for the completed property, whether it’s for sale or long-term rental.
Brickline evaluates financing requests based on the project’s viability, the borrower’s experience, program guidelines, and the overall investment plan to help move qualified new construction deals forward.
Loan Programs
Different investment strategies may require different loan structures. Brickline offers financing across several common real estate investor scenarios.
Financing for eligible property purchases and renovation projects with a resale or refinance strategy.
LTC: 90% of purchase + 100% of Rehab
Longer-term rental financing where property cash flow plays a central role in qualification.
LTV: 90% of purchase + 100% of Rehab
Short-term financing for eligible acquisitions, refinances, and transitional investment properties.
LTV: 90% of purchase + 100% of Rehab
Fast, asset-based financing for eligible investment property acquisitions, rehabs, or transitional situations.
LTV: 90% of purchase + 100% of Rehab
Common Uses
Finance the purchase of eligible land and the subsequent ground-up construction of a residential investment property.
Utilize financing to fund the construction phase of a new residential investment property on land you already own.
Secure capital to complete eligible residential construction projects that are already underway but require additional funding.
Develop new residential investment properties with a clear strategy for either immediate sale upon completion or long-term rental income.
Lexington Projects Markets
For new construction projects in Lexington, the success of the financing depends on a well-defined construction plan, a realistic project budget, and a clear understanding of the build timeline. These factors are often more critical than broad market trends alone.
Investors pursuing ground-up residential projects should prioritize the specifics of their construction, including permits, material costs, labor, and the projected completed value, to ensure the financing aligns with the project’s needs and exit strategy.
Online Process
Start with the property and financing request, provide the required information as the file progresses, and keep a clearer view of what is needed at each stage.
deal is moving forward. The result is a process that feels cleaner, more transparent, and easier to move through from first quote to closing.
Share the property, financing request, and investment strategy.
Provide the information and documentation needed for review.
See outstanding steps and respond as the financing request progresses.
Get investor-focused support
How It Works
Provide the land details, construction plan, financing need, and investment plan.
Brickline reviews the new construction request against the relevant program guidelines.
Review the proposed financing structure, including draw schedules and next requirements.
Provide the documentation and information required to move the construction loan file forward.
Once approved and ready, complete the remaining steps toward closing and funding the construction draws.
Learn how New Construction Loans work, where they may fit, what Brickline reviews, and what investors should consider before moving forward with a ground-up project.
New Construction Loans are business-purpose financing specifically designed for real estate investors to fund the ground-up construction of residential investment properties in Lexington. This includes financing for land acquisition and the entire build process.
These loans are typically used for eligible ground-up residential investment projects, such as building single-family homes, duplexes, or other multi-unit properties intended for sale or rental. The focus is on new builds rather than renovations of existing structures.
Brickline reviews several key aspects, including the land or site, the detailed construction plan, the project budget, the proposed build timeline, the builder’s experience, and the investor’s intended exit strategy (sale or refinance) for the completed property.
Yes, New Construction Loans can often be structured to include the financing for eligible land acquisition as part of the overall project budget, alongside the costs associated with the actual construction.
Funds for New Construction Loans are typically disbursed through a draw schedule. As construction progresses and specific milestones are met, funds are released to cover costs, usually after an inspection verifies the completed work.
The timeline for a New Construction Loan project varies significantly based on the scope, complexity, and local permitting processes. Investors should have a realistic build timeline and project management plan in place.
Common exit strategies include selling the newly constructed property upon completion to repay the loan, or refinancing into a longer-term loan, such as a DSCR Rental Loan, if the property is intended for a long-term rental hold.
Why Brickline
Brickline focuses on business-purpose real estate financing rather than consumer homebuyer mortgages.
The property, financing structure, and investment strategy stay central to the process.
Digital-first process
Clear next steps
Investor Resources
Explore Brickline guides, calculators, and resources covering loan structures, deal metrics, qualification, and common investor financing questions.
deal moves forward.
Tell Brickline about the land, construction plan, financing need, and investment plan for your next project.
Start online to explore the next step for your new construction financing request.
