New Construction Loans for Investors in Sacramento California

Optimus Capital is a leader of New Construction Loans for Investors in Sacramento. With over a decade of lending experience, you can count on our highly skilled team to guide you in your investment journey.

Flexible Loans for Real Estate Investors

The Hard Money Loans Expert

Approaching Our 10 Year Anniversary

Our construction loans are short-term loans that are used by our clients to build new single-family investment homes.

To learn more about our new construction loans and discuss your current construction loan scenario, contact us today.

Optimus Capital Inc. – your one-stop shop for new construction loans for investors in Sacramento, California.

Here at Optimus Capital Inc. we are investors for investors. We understand the unique needs and requests of our real estate investor clients. We have decades of experience and look forward to serving you.

Full service loans

In Addition to New Construction Loans for Investors in Sacramento, we also offer:

Fix and flip Loan

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.

Rental Portfolio Loan

Finance your portfolio with no limit on the number of properties included. Up to 30-year terms, loans based on the debt service, and typically do not require tax returns.

Rental Loan

We offer non-owner occupied single-family properties 1 to 4 units long-term loans. Our programs are nationwide. Up to 30-year fixed is available. We have solutions fixed for 3, 5, 7, or 10 years as well; all amortized over 30 years.

A simple process

Getting A New Construction Loan In Sacramento, CA

One of the most interesting and engaging projects you can undertake is building a new house. We offer multiple new construction loans which can suit almost any home builder. Contact one of our knowledgeable loan professionals and they will determine which loan option is best for you. New Construction Loans are one of the hottest loan options in the market right now. Compared to the time-consuming process of getting bank loans, a new construction loan with Optimus Capital allows you to get started on your project quickly, which ensures completion in a more timely manner.

When applying for a traditional loan through a bank, the approval process can take several months, delaying the start of your project.

Conventional loans and mortgages have lower interest rates, but the payments are spread out over 30 years, with our loans the debt is paid off when you sell the property or refinance out of the loan. Our loans are interest only and the term is usually between 12 to 18 months.

New construction loans offer a more simplified approval process than typical bank-issued mortgages, making it easier to receive approval for the loan. Non-bank lenders like Optimus Capital also offer hassle-free financing options, with more relaxed credit standards and no collateral requirements.


Investing In Sacramento California Real Estate - Key Attractors

Thanks to increased sales growth and price appreciation, Sacramento, California, is among the trendiest property markets in the country. Sacramento, with its expanding new construction and rental markets, holds great potential for California real estate investors. When it comes to investing in Sacramento real estate and the real estate market in California overall, investors need to take a few things into consideration. Sacramento, which is often regarded as one of the finest places to work, play, and retire, offers lots of opportunities for real estate investors.
Hard Money In Sacramento CA
Construction Completion Financing
Hard Money In Sacramento CA
Sacramento, the capital of the world’s 7th largest economy, is a great decision for companies who relocate to our city. With a relativity low cost of living and a high quality of life, Sacramento is a fantastic place to live. Sacramento is a combination of agriculturally productive farmlands, it has a dynamic downtown district, and a hub for some of the state’s most prominent history museums, situated in Northern California, where the American River and Sacramento River cross. Sacramento has become a hub in the state for California government departments that employ thousands of employees in each of their buildings. Though government employees make up a sizable portion of the city’s workforce, business and financial services are the city’s 2nd biggest employer. Technology, health care, and clean energy are all growing industries. Roughly 5k employment opportunities are in advanced manufacturing, communications, and equipment manufacturing.

What Does This Mean For Investors?

New Construction Loans for Investors in Sacramento

Sacramento’s rental market is fascinating, it has several sectors that are doing well, and new construction is the market to watch now that Senate Bill 9 has passed.

This is fantastic news for investors looking to diversify their portfolios by investing in build-to-rent, new construction, and single-family rental properties.

Sacramento, California, ranks high on the list of best housing markets. It consistently ranks as one of the cities with the fastest house sales, and the most single-family rentals, it shows plenty of opportunity for real estate investors. Sacramento is one of the high-growth opportunity areas for real estate investors.

It’s more crucial than ever to have a knowledgeable lender on your side.
If you’re looking for new construction loans in Sacramento, give us a call.

We’re the experts you’re looking for when it comes to ground-up construction loans in California. Optimus Capital’s new construction loans are perfect for your next project.

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Sacramento New Construction loan FAQs

Frequently Asked Questions

A new construction loan is a private money loan specifically designed for financing the construction of single-family 1-4 unit investment properties. Unlike traditional bank loans, these loans are provided by private lenders and offer more flexible approval criteria and faster access to capital.
While eligibility requirements can vary between lenders, common criteria for new construction loans include the borrower’s experience in construction or real estate development, a detailed construction plan, a clear budget and timeline, and the property’s completed value.
During the construction phase, the loan funds are typically disbursed in installments, known as draws. The borrower submits draw requests along with documentation of completed construction milestones, and the lender verifies the progress before releasing the funds for the next phase of construction.
Private money lenders typically offer new construction loans with LTC ratios ranging from 65% to 75%. This means that you may be able to borrow up to 65% to 75% of the total cost of the project, considering the completed construction value. Optimus Capital can go up to 80% LTC.

Private money lenders specialize in providing quick access to capital for real estate projects. The approval process can be expedited, and if your application meets the lender’s criteria and your construction plans are well-documented, funding can be available within a matter of days or weeks.


We’ve helped Hundreds of investors secure New Construction loans in sacramento

Don’t just take our word for it, check out the reviews left by some of our happy clients. 

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.”

A leader in new construction loans in sacramento california.

get started now.

 You’ll learn how we’ve helped other investors and why we’re the industry’s leading real estate investment lender.

Contact us now to not miss out on this mind-boggling opportunity and let your real estate portfolio take off with Optimus Capital’s new construction loans for investors in Sacramento, California.

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