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Investing in a real estate project under construction using hard money loan programs will ultimately provide an investor with:

  • high yields based on property equity;
  • defensive investor-oriented structure of the whole amount of money;
  • fixed income on a monthly basis;
  • excellent cash flow and residual value opportunities;

Participating in construction loans provides a compelling alternative to conventional funding options. When entering this lending space, there are many ROI opportunities. What is more, Participating Construction Loan (PCL) Investors have the security of their funds being protected by investor-oriented mechanisms and earn a share of the profits of the newly built asset. It’s an opportunity to participate in property cash flow and its residual value.

construction hard money loans

What are your opportunities with hard money construction lenders?


Are you looking to invest in a real estate project under construction? Hard money funding is the ideal vehicle to realize the many market opportunities currently available.

Protected equity-based returns

Participating in construction loans provides a compelling alternative to conventional funding options. When entering this lending space, there are many ROI opportunities. Also, Participating Construction Loan (PCL) Investors have the security of their funds being protected by investor-oriented mechanisms and earn a share of the profits of the newly built asset. It’s an opportunity to participate in property cash flow and residual value.

Dislocation opportunities

Many construction lenders have been active over recent years, filling their mandates and quotas for this product. In addition to that, the increasing impact of regulation has affected dislocation. This opens up the market for PCL Investors to benefit from the most favorable risk to return ratio.

construction hard money loans

Increased cost of capital

There is an emerging void in this lending space because of additional regulation and increased capital charges on High Volatility Commercial Real Estate (HVCRE). As a result of this shift in economics, many lenders have raised their interest rates whereas others have taken a new direction, leaving this space and opening new opportunities for PCL Investors.

residential hard money loans la
As the premier self-funded hard money construction lenders in Los Angeles, Renew Capital will help you experience the potential of higher returns, diversification, a strong relative value profile and a defensive debt structure that focuses on securing more favorable capital treatment.

RENEW CAPITAL GENERAL LENDING PARAMETERS for CONSTRUCTION LOANS


INTEREST RATES STARTING AT 9.25% interest only
LOAN TO VALUE 65% LTV
LOAN TO COST 75% LTC
AFTER REPAIR VALUE 65% ARV
LOAN AMOUNTS $50,000 – $20,000,000
ORIGINATION FEE 2.0 – 4.0 points, depending on loan size and term
EVALUATION/PROCESSING FEE $1,495
LOAN MATURITIES 1 to 24 months (extensions available)
LOCATION California only
TYPES OF LOANS Construction / Rehab
TYPES OF PROPERTIES Business Purpose and Non-Owner Occupied residential, multifamily, retail, office, industrial, vacant buildings and entitled land
LIEN POSITION First Trust Deeds
PERSONAL GUARANTEE Required
PREPAYMENT PENALTY 0 – 6 months upon loan approval

Recently Funded Projects

Vision Transformed into Reality

Dennis D.

  • Loan Amount: $369,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 4 months

Antonova A.

  • Loan Amount: $589,500.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 6 months

JJ Z.

  • Loan Amount: $500,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Scott J.

  • Loan Amount: $1,300,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

JJ Z.

  • Loan Amount: $750,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Scott J.

  • Loan Amount: $1,250,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

Andrey V.

  • Loan Amount: $2,801,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 24 months

Michael N.

  • Loan Amount: $100,000.00
  • Loan Type: Refinance
  • Property Type: Industrial
  • Loan-To-Value: 60%
  • Term: 12 months

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