Corporate Office
12 Penns Trail Suite 138, Newtown, PA 18940
Americas: +1 858 299 5570
CASH-OUT. REFIANANCE. PURCHASE.
Construction
Financing
Desinged exclusively for vacation rentals, our loan program ensures you get the best terms and support to maximize your investment success.
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Construction Financing Highlights
Practical Underwriting for Short-Term Rentals: Our approach ensures a logical evaluation of your vacation rental income
Extended 30-Year Terms: Enjoy long-term stability with fixed 30-year terms and no balloon payments
Transparent Pricing: Experience straightforward, negotiable-free pricing that you can trust
Asset Protection: Secure your personal identity and assets by borrowing through a corporate entity
Traditional Financing vs. Vacation Rental Property Loans
New Construction Loans for Investors
Build from the Ground Up. Grow from the Foundation.
Are you a real estate investor ready to bring your vision to life—starting with a blank lot? Our New Construction Loans are designed specifically for experienced builders and investors looking to finance new residential or commercial construction projects from the ground up.
With flexible terms and fast funding, we help you move from concept to completion with confidence.
Loan Highlights
- Loan Term: 12 to 24 Months
- Loan Amount: Up to $10M
- Loan-to-Cost (LTC): Up to 85%
- Interest-Only Payments: Lower monthly payments during construction
- Fast Approvals: Get funded quickly so you can break ground without delays
What is a New Construction Loan?
A new construction loan provides the capital to finance the complete construction of a new property—starting from an empty lot. Unlike rehab loans or bridge financing, this type of loan covers everything from site preparation and foundation to the final finishes.
Perfect for:
- Residential developers building single-family homes or multi-family properties
- Commercial investors starting new mutkifamily or mixed-use projects
- Builders ready to scale projects quickly with private financing
How It Works
1. Application & Approval
Submit your loan application docs, project details, construction budget, and timeline. We’ll evaluate the scope, exit strategy, and your experience. We’ll order an appraisal to give us a sense of the market value.
2. Draw Schedule
Funds are released in stages based on construction milestones on a reimbursement basis.
3. Interest-Only Payments
You only pay interest during the loan term, preserving your capital for the build.
4. Exit Strategy
At project completion, refinance into a long-term loan or sell the property to repay the loan.
Why Choose Us?
- Investor-Focused: We understand the timelines, risks, and rewards of new builds.
- Flexible Terms: Choose between 12 or 24-month durations based on your project scope.
- Fast, Reliable Funding: Close in days, not weeks.
- Expert Support: Our team guides you through every phase of the loan process.
Let’s Build Something Great
If you’re ready to turn raw land into high-value property, we’re ready to help you get there. Apply today and start building your next profitable project—brick by brick.
Qualifying for a Vacation Rental Home Loan
eDSCR has perfected the vacation rental loan process, facilitating substantial financing for investors aiming to build a robust rental income through vacation properties. Our qualification criteria are clear and straightforward, focusing on four key areas with seamless register processes, detailed instructions, and state-compliant solutions.
25%
Down Payment Requirements
"In general, you should expect to pay 25% down on a vacation rental, unless you have a very good FICO score, which may allow you to negotiate for only 20% down. Sometimes, lenders may request up to 35% if your credit score is lower than their expectations. With seamless register processes, clear instructions, and state-compliant financing solutions, securing the right rental property loan becomes more accessible.
Document Preparation
When applying for a vacation rental loan, you won’t need traditional financial documents like tax returns. Instead, you’ll need to provide key items such as a government-issued ID for each guarantor, a voided check, an insurance declaration page, and a title company contract. If you're borrowing through a business, include relevant business documents. You may also need to provide HOA contact information, current lender details for a cash-out refinance, and the purchase contract with any addendums.
Meeting Eligibility Criteria
Securing a loan for a vacation rental usually demands higher standards than for a primary residence. Ensure your property meets the minimum requirements of a $150,000 value, a $75,000 loan amount, and a credit score of at least 680. Additionally, you should not have had bankruptcies in the past four years or foreclosures in the last three years.
Ensuring Property Readiness
When financing a vacation rental, the property generally needs to be in rent-ready condition and meet a C4 classification. Significant renovation or construction costs typically require separate financing, such as construction loans, as they are not covered by the vacation rental loan. Construction loans offer funding for major renovations, new builds, or extensive property improvements. With seamless registration processes, clear instructions, and state-compliant solutions, investors can secure the right funding for their rental properties, whether it's a standard vacation rental loan or a specialized construction loan for more substantial projects.
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Closed Construction Financing Property Loans
