Belaire Construction Loans

Development & Ground Up Construction Loans

A specialized division of Belaire Private Capital — a nationwide platform backed by private capital, and a direct private lender for residential ground-up construction.

Loan Funder

Ground-up residential construction loans backed by private capital

Residential Ground-Up Construction Loans

One Loan, Land to Vertical: The ADC All-In-One

Our core expertise is the Acquisition, Development & Construction (ADC) wrap-around “All-In-One” loan — specifically underwritten for projects in MSA locations with APPROVED PLANS. The projects must be permit-ready to qualify for ADC underwriting.

Interest reserves and loan origination fees can be included in the construction budget and financed in, so you can focus on the construction project and the end goal.

Acquisition: land with approved plans, ready for permitting
Development: horizontal infrastructure
Construction: vertical integration, funding released per phase upon draws
Locations: Non-Rural areas — nationwide within USA
Non Recourse: available for qualified sponsors with extensive track record.
Completion Guarantee: GC must be bonded and qualifies to sign ‘Completion Guarantee’

Watch: how Belaire structures ground-up construction financing.

Development construction loans for condominium and multifamily projects — modern multifamily building at dusk with warm light glowing from its windows and balconies — Condominium ground-up construction projects with partial release clause.

Funding Parameters

Construction Loan Programs

Program parameters follow our Development Construction Guidelines, as listed on Belaire.Money.

Build-to-Sell PUD Communities

Up to $100M facility

Planned unit developments (PUDs) of single-family homes and 1-to-4-unit residential portfolios, across multiple parcels — up to $18M per parcel, with a maximum aggregate loan facility of $100M.

Boutique Residential Properties

Up to $2M (Per Property)

Can be a portfolio of boutique residential properties — single family, duplex, triplex, fourplex. See Belaire.Money for more information.

Multifamily and Condominium Projects

Up to $50M

Ground-up multifamily rental developments of up to 50 units, with a maximum loan of $50M. Condominium projects — garden-style communities or vertical towers — up to 100 units, with a maximum loan of $100M per project.

Structured Finance

Case-by-case

Bespoke and alternative structures are considered case-by-case. Through strategic alignments, we have capacity for value-add and ground-up funding across residential project beyond in-house parameters.

Sponsor Requirements

General Requirements

Sponsor must be a U.S. citizen.
Sponsor / developer must have same-size development experience — successful build and exit track record within the past 3 years, verifiable on tax records.

Belinda Song, founder and CEO of Belaire Private Capital, at her desk in the firm's high-rise office — the team behind Belaire Money development construction loans for every real estate developer and real estate investor — Belinda Song and the Belaire Private Capital team.

Belaire Private Capital, dba Construction Loans USA, is a nationwide platform backed by private capital. Partner with an industry leader — contact our team today to structure your next residential development project.

Run Your Numbers

Underwriting Model

Open the window below to preview the model we underwrite with.

This is the opening section of the same underwriting model behind RealEstateUnderwriting.US. Enter your project’s costs, the requested loan, and the finished value — the model computes your loan-to-cost, loan-to-value, and projected margin instantly.

Section 1 — Deal Summary & Loan Sizing	Amount (USD)
Land acquisition cost
Horizontal development budget
Vertical construction budget
Soft costs, fees & capitalized interest reserve
Total project cost	$7,300,000
Requested loan amount
Sponsor cash equity	$1,900,000
Projected completed value

Loan-to-Cost (LTC)

74.0%

Loan-to-Value (LTV)

55.1%

Projected Gross Margin

$2,500,000

Sample figures shown for illustration — replace them with your project’s numbers. For the complete multi-section model (income, exit, and investor yield analysis), open the full Underwriting Engine.

Start Your Loan

Send Your Scenario Here

Have a project that fits? Send us the scenario and the LoanFunder intake takes it from there — your deal lands directly with the Belaire funding team.

Open the entry model. Click below to launch the LoanFunder intake in a new tab.

Describe the deal. Project type, location, land status, budgets, and your experience.

We structure it. The Belaire funding team reviews your scenario and responds with next steps.

Open the LoanFunder Entry Model

Prefer to talk it through first? Use Chat with Maggie at the top of this page, or reach the team at Admin@BelairePrivateCapital.com.

For Real Estate Brokers & Loan Officers

Broker Sign Up

Bring us your ground-up construction deals. Registered brokers work directly with the Belaire funding team.

To register as a broker, email the Admin team with your name, company, license information, and the markets you serve. We will set up your broker profile and walk you through your first submission.

Belaire Private Capital

Admin 786-440-8189

Admin@BelairePrivateCapital.com

Construction Loans USA — a specialized division of Belaire Private Capital. Nationwide USA.