Single-family
Ground-up detached homes.
Ground-up · Townhomes · ADUs
Ground-up capital, managed in-house.
Construction loans for single-family homes, townhomes, and ADUs — up to 80% of cost, with draws that fund in as little as one business day.
What is a construction loan?
From foundation to finished product.
A construction loan funds a new build in stages: the lender releases capital in draws as work is completed. AE Capital Partners offers 12-month construction loans for three project types.
Townhomes
Attached-home projects.
ADUs
Accessory dwelling units that add rentable space.
1
business day.
Draws fund in as little as one business day.
Construction loan management
Draws that keep your schedule.
Our construction loan management team works in-house alongside underwriting and servicing — so draw requests are handled by the same team that knows your project, not a third party.
- Max loan to cost
- 80%
- Of value after completion
- 65%
- Draws fund in as little as 1 business day
- 1 day
Who it's for
Builders and investors who…
- 1Builders and investors developing new single-family homes or townhomes
- 2Owners adding an accessory dwelling unit (ADU) to increase income
- 3Experienced investors moving from renovation into new construction
Program highlights
- Finance up to 80% loan to cost, 65% of the value after completion
- Single-family, townhomes, and ADUs
- No prepayment penalties
- Draws fund in as little as 1 business day
All loans are subject to underwriting review and approval. Program terms, ratios, and eligibility requirements are subject to change without notice. This is not a commitment to lend.
Typical closing timeline
3+ weeks
Depending on complexity, measured from when the file is ready for underwriting.
Eligibility
Construction loan requirements.
Eligible property types
- Single-family
- Townhomes
- ADUs
Requirements
- Finance up to 80% loan to cost, 65% of the value after completion
- Single-family, townhomes, and ADUs
- No prepayment penalties
- Draws fund in as little as 1 business day
- For recourse loans, one guarantor and signer with at least 25% ownership of the borrowing entity
- Title insurance is required on all loans
Common reasons submissions are declined
- 1Property is not in a state that we finance, or is in a location an appraiser would consider rural
- 2Property value or purchase price
- 3Credit score
- 4Liquidity
- 5Newer investors taking on extensive rehab projects
Draws fund in as little as 1 business day.
AE Capital Partners offers 12-month construction loans.
Construction loans take 3+ weeks to close, depending on complexity, measured from when the file is ready for underwriting.
Single-family homes, townhomes, and ADUs.
Related programs
Other ways to finance the deal.
90% loan to cost
Fix & Flip Loans
Short-term financing to buy and renovate investment properties, with up to 90% of cost financed and no prepayment penalty.
75% loan to value
Bridge Loans
Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.
80% loan to value
Buy & Hold Loans
30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.
Ready when you are
Break ground with the right capital partner.
Submit your construction project through the portal, or speak with our team about your build.
Prefer to talk? Call 310-810-1374