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Financing That Powers
Residential Development

Residential Development
Program

Program Overview

Financing for residential developers building single-family communities, build-to-rent portfolios, or horizontal A&D projects. Ideal for builders scaling through programmatic pipelines or sponsors developing residential communities.

Purpose

Ground-up construction, land and horizontal development, programmatic growth, bridge-to-takeout

Leverage

Up to 90 percent LTC

Loan Size

$1MM to $50MM plus

Loan Types

Senior, stretch senior, preferred equity

Funding Sources

Banks, non-bank correspondents, private credit platforms

Property Types

Single-family build-to-rent, multifamily, condo, small lot subdivisions

Recourse

Limited recourse and non-recourse available

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No balloon payments

No prepayment penalties

Approvals based on projections

Refinance high-cost debt

Lower equity and longer terms

Strong appetite for experienced local and regional builders

Vertical and horizontal capital available

Solutions for programmatic or multi-phase development

Representative Transactions

Build-to-Rent Community, Southeast

  • $31MM construction loan across one hundred twenty homes

Horizontal Development, Florida

  • $12.8MM land and infrastructure financing

Small Lot Subdivision, Carolinas

  • $9.4MM phased residential development loan

Frequently
 Asked Questions

Here are a few frequently asked questions to help clarify common concerns and provide quick, helpful answers.

Is builder experience required?

Yes, but strong teams and third-party support can offset limited experience.

Yes, lot release schedules are commonly structured.

Yes, bridge-to-permanent planning is part of the initial structure.

K2 Capital