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Brickline provides New Construction Loans in Kentucky for real estate investors focused on eligible ground-up residential investment projects. This financing is designed for situations where the land, construction plan, and build timeline are central to the investment strategy.
Investors can use these loans to fund the acquisition of land and the subsequent construction, or to finance the build on land they already own, leading to a sale or refinance exit.
Kentucky Financing
New Construction Loans are specifically tailored for investors undertaking ground-up residential builds. This financing is crucial when a project requires capital for both land acquisition and the entire construction phase, or for the build itself.
For investors, the right financing structure for new construction depends on the project’s scope, the detailed construction plan, the budget, the expected timeline, and the intended exit strategy, whether it’s a sale or a long-term refinance.
Brickline evaluates new construction financing requests by focusing on the property, the investor’s experience, the project’s viability, and the overall investment plan to support qualified builds.
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
Short-term, asset-backed financing for investment properties, often used for time-sensitive acquisitions or rehab projects.
LTV: 90% of purchase + 100% of Rehab
Common Uses
Finance the purchase of suitable 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 already owned by the investor.
Secure capital to complete eligible new construction projects, ensuring the build adheres to the approved plan and timeline.
Develop new residential properties with a clear exit strategy, whether it’s an immediate sale upon completion or a refinance into a long-term rental loan.
Kentucky Projects Markets
The success of a new construction project in Kentucky, like anywhere else, hinges on a well-defined plan, a realistic budget, and an efficient build timeline. New Construction Loans are structured to support these elements, focusing on the viability of the project itself.
For ground-up residential builds, the financing needs to align with the various stages of construction, from initial land preparation to final completion. Brickline assesses the construction plan, draw schedule, and the investor’s experience to ensure the financing supports the project’s progression.
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 property, financing need, and investment plan.
Brickline reviews the request against the relevant program.
Review the proposed financing structure and next requirements.
Provide the documentation and information required to move the file forward.
Once approved and ready, complete the remaining steps toward closing and funding.
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 build in Kentucky.
New Construction Loans in Kentucky are business-purpose financing solutions for real estate investors undertaking ground-up residential investment projects. They provide capital for both land acquisition and the construction phase of a new property.
These loans are designed for eligible ground-up residential investment projects, including single-family homes, duplexes, or other multi-unit properties intended for sale or rental upon completion. The focus is on new builds rather than renovations of existing structures.
Yes, New Construction Loans can be structured to finance both the acquisition of the land and the subsequent costs associated with the construction of the residential investment property, provided the project meets program guidelines.
Brickline reviews the overall project viability, including the land, the detailed construction plan, the project budget, the build timeline, and the investor’s experience. The intended sale or refinance exit strategy is also a key consideration.
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 the costs incurred, based on inspections and the approved budget.
The timeline for a New Construction Loan varies depending on the complexity of the project and the efficiency of the construction process. Brickline aims to provide timely support throughout the financing and draw stages to keep projects moving forward.
The primary exit strategies for a New Construction Loan are either selling the newly built property upon completion or refinancing it into a longer-term loan, such as a DSCR Rental Loan, if the investor plans to hold it as a rental asset.
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 property, financing need, and investment plan.
Start online to explore the next step for your financing request.
