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Brickline helps Richmond real estate investors finance eligible ground-up residential investment projects using New Construction Loans designed for build timelines and project budgets.
Investors may use this financing for land acquisition and construction, or to fund the construction phase on owned land, with a clear plan for sale or refinance upon completion.
Richmond Financing
New Construction Loans are specifically structured for the unique demands of building a residential investment property from the ground up. This financing addresses the capital needs throughout the construction process.
For investors, the right construction financing depends on the land, the detailed construction plan, the project budget, and the intended exit strategy, whether it’s a sale or a long-term refinance.
Brickline reviews the financing request based on the property, the investor’s experience, the project’s viability, and program guidelines to support qualified new construction deals in Richmond.
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 and rehabs, often used for time-sensitive opportunities.
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 already owned by the investor.
Secure capital to finish an eligible new construction project that is already underway but requires additional funding to reach completion.
Fund the construction of a new investment property with a clear exit strategy, whether it’s an immediate sale upon completion or a refinance into a long-term rental loan.
Richmond Projects Markets
New construction financing is driven by the specifics of the project itself: the land, the detailed construction plan, the budget, and the build timeline. These factors are often more critical than the city label alone.
A well-defined construction plan, a realistic budget, and a clear understanding of the project’s timeline are essential for securing new construction financing. Brickline evaluates these elements to ensure project viability.
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 build project.
New Construction Loans are business-purpose financing designed for real estate investors to fund the ground-up construction of residential investment properties in Richmond. This includes both land acquisition and the build itself, or just the construction phase on investor-owned land.
These loans are typically for eligible ground-up residential investment projects, such as single-family homes, duplexes, or small multi-family properties intended for sale or rent upon completion. The project must have a clear construction plan and budget.
New Construction Loans typically involve a draw schedule, where funds are disbursed in stages as construction milestones are met. This ensures that capital is released as work progresses and is verified by inspections.
Brickline evaluates the overall project viability, including the land, the detailed construction plan, the project budget, the investor’s experience, and the intended exit strategy (sale or refinance). A strong, well-documented plan is key.
Yes, New Construction Loans can often be structured to include the acquisition of eligible land as part of the overall financing package, provided it aligns with the complete ground-up construction project.
The timeline for New Construction Loans is closely tied to the project’s build schedule. The loan term is designed to cover the construction period, with an understanding of the time needed to complete the project and execute the exit strategy.
New Construction Loans are generally short-term. Repayment typically occurs through the sale of the completed property or by refinancing into a longer-term loan, such as a DSCR rental loan, once the property is stabilized and ready for rent.
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.
