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Brickline helps Durham real estate investors finance eligible ground-up residential investment projects using New Construction Loans designed for situations where the land, construction plan, and build timeline matter.
Investors may use this financing for eligible land acquisition and construction, or to fund the build-out on owned land, before moving toward the planned sale or refinance exit.
Durham Financing
New Construction Loans are useful when an investment project involves building a new residential property from the ground up, requiring financing that covers both land and construction costs.
For investors, the right structure depends on the project’s scope, the construction budget, the build timeline, and the intended strategy for the completed property, whether for sale or long-term rental.
Brickline reviews the financing request around the property, borrower profile, program guidelines, and investment plan to help move qualified deals toward the appropriate next step.
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 other value-add strategies.
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.
Fund the construction costs for a new residential investment property on land already owned by the investor.
Provide capital to finish eligible residential construction projects that are already underway but require additional funding.
Support projects intended for immediate sale upon completion or for refinancing into a longer-term rental loan.
Durham Projects Markets
The success of a new construction project in Durham, like anywhere, depends on careful planning, a solid construction budget, and a realistic build timeline. New Construction Loans are structured to support these critical phases.
A ground-up residential investment project requires financing that understands the phased nature of construction, from initial land costs to final completion and the subsequent sale or refinance.
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 project.
New Construction Loans in Durham are business-purpose financing designed for real estate investors undertaking ground-up residential investment projects. They typically cover the costs associated with land acquisition and the construction of a new property.
These loans are ideal for building new single-family homes, multi-unit properties, or other residential investment properties from the ground up. They can also be used to complete projects that are already partially constructed.
Funding for new construction projects is typically disbursed through a draw schedule. As construction milestones are met, funds are released to cover costs, ensuring the project stays on track and within budget.
Brickline evaluates the overall project plan, including the land, the detailed construction budget, the proposed build timeline, the experience of the builder, and the investor’s exit strategy (sale or refinance).
Yes, New Construction Loans are often structured to finance both the acquisition of eligible land and the subsequent costs of building the residential investment property on that land.
The timeline for a New Construction Loan project varies significantly based on the scope and complexity of the build. Brickline works with investors to align financing with realistic construction schedules and project milestones.
New Construction Loans are generally short-term. Investors typically repay the loan by selling the completed 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 property, financing need, and investment plan.
Start online to explore the next step for your financing request.
