New Construction - Build to Rent Loans
Specialized Financing for Purpose-Built Rental Homes
New Construction - Build to Rent Loans
Strategic Financing for Your Rental Development Projects
Build a Sustainable Rental Portfolio from the Ground Up
At Montgomery Lending, we understand the unique opportunities and challenges of the build-to-rent market. Our **New Construction - Build to Rent** financing solutions are specifically designed for investors and developers who are building ground-up residential projects with the express intent of holding them for long-term rental income. This strategy allows you to create purpose-built rental communities tailored to market demand, maximizing your long-term returns and portfolio stability.
Whether you're developing a single-family rental community, duplexes, or small multi-unit complexes (1-4 units), we provide the strategic capital you need to bring your vision to life.
Key Features & Benefits
Tailored for Long-Term Hold
Unlike build-to-flip loans, our solutions are structured to support your strategy of generating passive income and building equity over time through rental properties. We focus on the long-term viability of your rental assets.
TOTAL LTC
Our financing covers a significant portion of your project's total cost, with competitive ratios **Up to 90% LTC**. This helps minimize your upfront capital outlay and maximize leverage.
Efficient Fund Disbursements
Funds are disbursed quickly, typically **within 48–72 hours for construction draws**, ensuring your contractors are paid on time and your project remains on schedule without costly delays.
TERM
Loan terms generally range from **12 - 24 Months**, providing ample time for ground-up construction and initial stabilization before transitioning to permanent financing, if desired.
Post-Construction Options
Upon completion and stabilization, we can help you transition into long-term financing solutions like our **DSCR Turnkey Rental Loans**, allowing you to lock in favorable rates and streamline your portfolio management without personal income verification.
PROPERTY TYPES
Our financing is available for **Non-Owner Occupied 1-4 Family Real Estate** and **Townhomes**, including single-family homes, duplexes, triplexes, and quadplexes.
Who This Loan Is For
This loan is ideal for **experienced developers** and **investors** who have a proven track record in rehabilitation or new construction projects. While the general residential overview mentions "no experience required" for some loans, new construction requires a level of expertise to ensure successful project completion and risk management.
- Developers building ground-up residential projects (1-4 units).
- Investors rebuilding on existing lots with intent to rent.
- Those seeking efficient capital for timely contractor payments and project completion.
- Borrowers with a strong exit strategy to either hold the property or refinance into a long-term rental loan.
- **Minimum FICO:** 660
- **EXPERIENCE:** 1 Rehab Completed
- **PROPERTY VALUE:** $150k As-Completed Value
- **LOAN AMOUNT:** $100K - $2M
Why Choose Montgomery Lending for Build to Rent?
We combine deep expertise in residential investment financing with a commitment to your success. Our team understands the nuances of new construction and the specific needs of build-to-rent investors.
- **Expertise in Build-to-Rent:** Specialized knowledge of this unique market segment.
- **Seamless Funding:** Quick and reliable draws to keep your project moving.
- **Strategic Partnership:** Guidance through the construction phase and into permanent financing.
- **Competitive Terms:** Rates and terms designed to support long-term rental profitability.
Ready to Build Your Rental Empire?
Contact Montgomery Lending today to discuss your New Construction - Build to Rent project and find the financing solution that aligns with your investment goals.
Apply for Build to Rent FinancingOr call us at (574) 276-4611 for a free consultation.
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Whether you're looking for bridge loans, structured financing, or creative funding solutions, our team is ready to assist.
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