Construction Loans in Sacramento, CA

Optimus Capital offers construction loans in Sacramento CA and surrounding areas. We have a suite of land and construction loans for our real estate investor clients. Our construction loans are all non-owner-occupied investment property loans.

Construction Loans Sacramento

The Hard Money Loans Expert

Approaching Our 10 Year Anniversary

New construction in Sacramento and West Sacramento has significantly grown in recent years. Optimus Capital is at the forefront of this construction growth for real estate investors and home builders who specialize in building single-family homes. 

We have designed and custom-tailored numerous construction loan programs to suit the needs of our clients. 

If your project is in Sacramento, West Sacramento, any of the surrounding areas in Northern California, or even in another state, we have you covered. Our construction loans are available nationwide, except in a few states. Reach out to our knowledgeable and friendly team now. We will respond quickly with different funding options for your project in most cases.

Our construction loans are designed for home builders or real estate investors who are building ground-up single-family homes with 1 to 4 units. Our programs require minimal paperwork and offer quick closings. 

Providing FlexibleLoans For Real Estate Investors

Some of our Optimus Capital Programs are designed to build one single-family home with 1 – 4 units on one lot. (One APN per lot)

If a borrower is building more than one single-family home 1 – 4 units; additional new construction SFRs will need to be on additional APNs / lots. We allow new construction of one-unit single-family homes, a duplex, a triplex, or a 4plex to be built on one lot that has one APN.

An appraisal is required to be ordered. The closing can happen usually within days of the appraisal report being received by our underwriting team. 

New Construction Loans

as a lender in sacramento we offer:

Fix & Flip loans

We offer fix and flip loans up to 90% of the purchase and 100% of rehab. Draws are quick to keep your project on track. Close in 10 days or less.

Get in touch with us today.

New Construction

We provide new construction financing for builders. Single lot or entire subdivisions, Optimus Capital can finance your next project up to 80% of the cost.

multifamily Loan

In additional to our rental loans, we offer short and long-term funding solutions for both commercial purchases, refinances, and cash-out financing.

Some of the most important factors that we are looking at are the following:

  • New construction or ground-up experience (where the past title was held by the borrower on previous projects)
  • Meeting minimum credit score requirements
  • Clear background report
  • Solid project with acceptable margins

Our Construction Loans can be used for land acquisition, tear down, or new construction. 

If used for land acquisition, plans for the single-family home 1-4 unit that is going to be constructed are needed upon submission. 

These programs are used for the acquisition of a lot with plans to build new construction only. Ground-up construction must immediately follow the acquisition of the land.

new home construction

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What Are The Requirements Of A New Construction Loan In Sacramento, CA?


Relevant Experience

In order to qualify for a single-family new construction loan, a prerequisite is a demonstrated level of experience in new construction projects.

We understand the value of your project and look to ensure the project has a successful outcome while minimizing potential risks.


Good Credit Score

If your complete financial picture is good and you can demonstrate the ability to repay, then Optimus Capital is more accommodating on the loan-to-value (LTV) and interest rate.

A reasonable credit score is required to receive approval for new construction financing. It’s best to give us a call to discuss your circumstances, and we’re more than happy to offer advice and solutions. 


Solid Project With Acceptable Margins

The foundation of our lending approach centers on the concept of a “solid project with acceptable margin.” This principle underscores our commitment to financing single-family new construction projects that exhibit strong potential for profitability. We prioritize projects that are meticulously planned, thoroughly assessed for costs, and strategically positioned for success in the market.


Cash Reserves

If you receive a new construction loan, you are responsible for the monthly interest-only debt service until the completion of the home and the loan is repaid.

It is usually required to have three months of reserves to obtain a new construction loan. The amount of capital you’ll need in reserves is determined by the type of loan product that you receive.

Review Our Guidelines Below:

  • Optimus Capital Sacramento Construction Loans

    • Use: New construction or tear down (if permitted)
    • Up to 50% land acquisition cost (if not permitted)
    • Up to 65% land acquisition cost (if permitted)
    • Minimum loan: 75,000 (no maximum)
    • 18 month term
    • Maximum LTC 75% (Exceptions can be made to 80% for very experienced applicants)
    • Maximum completed value LTV 65% in judicial states
    • 70% in non-judicial foreclosure states
    • The title must be held in an entity
    • 1-4 Family Homes, Condominiums, Townhouses (must be infill)
    • Minimum Borrower Fico score: 650
    • Interest only no prepayment penalty
    • The borrower must have new construction or significant flip experience (where the title was held by the borrower)
    • No development loans – First position lien = one lot + one SFR new build
Construction Loans Sacramento project

For Ground-up Construction of Subdivisions

Sacramento Bridge image optimus capital new construction page

We do offer ground-up construction for subdivisions of all sizes. Whether your project is a smaller subdivision or larger, reach out to us. In many cases we can help provide an excellent solution. We have recently closed loans for numerous subdivisions. We also offer construction completion financing.

At Optimus Capital, we take pride in our ability to deliver ground-up construction solutions for subdivisions of all sizes. Whether your project involves a smaller, more intimate subdivision or a sprawling, large-scale development, we encourage you to contact us. Our team of experienced professionals is well-equipped to assist you at every stage of your subdivision project, from planning and financing to construction and completion.

In recent years, we have successfully closed loans for a wide range of subdivisions, and our track record speaks to our commitment to helping our clients turn their vision into reality. Our expertise in construction financing extends beyond initial funding; we also offer construction completion financing to ensure that your project reaches its full potential. This comprehensive approach reflects our dedication to your success, and we look forward to assisting you on your next subdivision venture.

We provide loans for investors in most states across the country, making it easier than ever to bring your subdivision project to life. Our nationwide reach and extensive experience in the industry position us as a trusted provider in helping you achieve your real estate development goals. Don’t hesitate to contact us today with your project details, and let us help you embark on the journey toward creating thriving, vibrant communities that stand as a testament to your vision and expertise.

Contact us now with your project.

New Construction Loans Sacramento FAQs

Frequently Asked Questions

A new construction loan is a short-term financing option specifically designed for funding the construction of a new property with or without the lot acquisition. Unlike traditional financing from banks, our new construction loans utilize private or hard money, which means quicker approval times, less stringent credit requirements, and greater flexibility in terms.

Our approval process for new construction loans is streamlined and efficient. We focus on the property’s completed value and the borrower’s ability to execute the construction project. While credit history is considered, it’s not the primary factor. Our team assesses the project’s feasibility and the borrower’s experience in construction to make an informed decision.

Our new construction loans typically offer flexible terms ranging from 12 to 18 months. Interest rates are competitive, and we work closely with borrowers to tailor repayment schedules that align with the project’s timeline and the borrower’s financial situation. We aim to provide terms that maximize your project’s success.

We fund a range of new construction projects. Whether you’re building a single-family home, a multi-unit development, or a subdivision, our new construction loans can be customized to suit your specific project needs.

Our goal is to expedite the funding process to help you obtain construction financing promptly. Once your application is submitted and the project’s feasibility is assessed, funding decisions can often be made within days, not weeks. This enables you to start your new construction project without unnecessary delays.


We’ve helped Many Property investors in sacramento secure new construction loans

Don’t just take our word for it! As a leading provider of rental property loans in Sacramento, we let our customers speak for us. 

reviews on google


Google Review


“I am experienced commercial real estate investor and this is my second transaction with this broker. I had some challenges with my loan and they handled it very professionally. Briana did follow up with me on every step of the process. Will definitely use them again.”

reviews on google


Google Review


“They’ve done three loans for me now, and each time they’ve been great! Very diligent and attentive, and they make the process go so smoothly. I also feel like they’re always taking an extra step to make sure my deals go well for me. These are my go-to people for loans!”

reviews on google


Google Review


“My experience was extremely positive. Their professionalism, expertise, customized solutions, efficiency, transparency, and outstanding customer service set them apart from other construction loan providers. I would highly recommend Optimus Capital Inc. to anyone seeking financing for their construction projects.”

New Constructions Loans sacramento california.
get started now.

Optimus Capital Inc. is the Sacramento company that you can count on to secure your new construction loan. 

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