Construction Loans Ground Up in Caldwell County Texas
We provides fast, flexible ground up construction loans for real estate investors and developers in Caldwell County, Texas. From Lockhart to Luling and surrounding Central Texas markets, we help fund new construction projects from land acquisition through completion. Our programs are built for speed, flexibility, and certainty—giving you the capital needed to build and scale your portfolio.
Loan Program Overview
- Loan amounts: $250,000 to $15,000,000+
- Up to 85–90% LTC (Loan-to-Cost)
- Terms: 12–24 months
- Interest-only payments
- Draw-based construction funding
- Fast closings (7–14 business days)
- 24–72 hour draw disbursements after inspection
How to Qualify
Our underwriting focuses on the strength of the project and builder experience.
- Construction plans and permits
- Detailed budget and scope of work
- Builder/contractor experience
- Exit strategy (sale or refinance)
- No income verification required. Loans are asset-based and project-driven.
Property Types Eligible
- Single-family new construction
- 2–4 unit residential builds
- Townhome developments
- Small subdivisions
- Mixed-use projects
- Build-to-rent developments
Fast Funding Timelines
- Submit your deal
- Receive a same-day term sheet
- Complete due diligence (appraisal, plans, title)
- Close in 7–14 business days.
- Draws are released quickly after inspections, keeping your project moving without delays.
Local Lending Experience
Caldwell County continues to grow due to its proximity to Austin and San Marcos, creating strong demand for new housing developments. City permitting and zoning approvals in Lockhart, Inspection timelines for staged construction, Soil and foundation conditions common in Central Texas. Our team understands these factors and helps you navigate the construction process efficiently.
Benefits of Private Construction Loans vs Banks
Faster draw funding
Experience with complex construction projects
Asset-based underwriting
Close in days
No Income Docs Required
FAQs
Most ground-up construction loans close within 7–14 business days.
No. These loans are asset-based and focus on the project and builder.
Funds are released in draws after inspections, typically within 24–72 hours.
Single-family, multi-family, townhomes, and mixed-use developments.
Get Funded for Your Next Build
Apply now for fast approval. Get fast, flexible funding in Caldwell county from Fix and Flip Loans No Money Down.