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Brickline helps real estate investors in Rhode Island finance eligible ground-up residential investment projects using New Construction Loans designed for the land, construction plan, and project timeline.
Investors may use this financing for eligible land acquisition, construction costs, and other build-out expenses before moving toward the planned sale or refinance exit.
Rhode Island Financing
New Construction Loans are useful when an investment project involves building a new residential property from the ground up, requiring financing for both the land and the construction phase.
For investors, the right structure depends on the project’s scope, the construction budget, the build timeline, and the intended exit strategy, whether it’s a sale or a long-term refinance.
Brickline reviews the financing request around the property, borrower profile, program guidelines, and investment plan to help move qualified new construction projects toward funding.
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, short-term financing for eligible investment property acquisitions, rehabs, or transitional situations.
LTV: 90% of purchase + 100% of Rehab
Common Uses
Finance the purchase of an eligible parcel of land and the subsequent ground-up construction of a residential investment property.
Utilize financing for the construction costs of a new residential investment property on land already owned by the investor.
Secure capital to finish an eligible residential construction project that is already underway but requires additional funding to reach completion.
Fund the entire construction process with a clear exit strategy, whether it’s selling the completed property or refinancing into a long-term loan.
Rhode Island Projects Markets
For new construction projects in Rhode Island, the focus is on the viability of the build, the construction budget, the project timeline, and the investor’s experience. The financing supports the entire ground-up process.
A new construction project requires a financing approach that accounts for land acquisition, phased draws, and a clear path to completion and exit, distinct from financing for existing, stabilized properties.
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 land details, construction plan, financing need, and investment strategy.
Provide the information and documentation needed for review, including construction budgets and timelines.
See outstanding steps and respond as the new construction financing request progresses.
Get investor-focused support
How It Works
Provide the land, construction plan, financing need, and investment strategy.
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 file forward, such as permits and builder experience.
Once approved and ready, complete the remaining steps toward closing and funding for your construction project.
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.
A New Construction Loan in Rhode Island is business-purpose financing for real estate investors to fund the ground-up construction of eligible residential investment properties. It covers costs associated with land acquisition and the building process.
New Construction Loans are suitable for eligible ground-up residential investment projects, including single-family homes, duplexes, or small multi-unit properties intended for sale or rental upon completion.
New Construction Loans can finance both the purchase of the land and the subsequent construction costs. Funds are typically disbursed in draws as construction milestones are met, based on the approved budget and timeline.
Brickline evaluates the land, the detailed construction plan and budget, the project timeline, the investor’s experience with similar projects, and the intended exit strategy (sale or refinance) for the completed property.
No, Brickline’s New Construction Loans are specifically for business-purpose real estate investors and eligible investment properties, not for owner-occupied or primary residences.
The timeline for a New Construction Loan varies based on the project’s complexity and the construction schedule. The loan term is designed to cover the build period until the property is ready for sale or refinance.
New Construction Loans are generally repaid through the sale of the completed investment property or by refinancing into a longer-term loan, such as a DSCR Rental Loan, once the property is stabilized and generating income.
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 strategy.
Start online to explore the next step for your new construction financing request.
