About Sacramento Construction Loans
A Sacramento and Northern California construction financing practice focused on builders, developers, and real estate investors.
Investment & business-purpose loans only
Jared Rine
Loan Advisor | Deal Architect
United Lending Partners Inc.
Construction Financing Specialist
Jared Rine places construction financing for builders, developers, and real estate investors across Sacramento and Northern California. With 14+ years in mortgage and real estate finance, his day-to-day work is structuring construction deals — reviewing budgets, evaluating project viability, and matching projects to the lender most likely to fund them.
He's active in the investor community as well — see his BiggerPockets profile — and works hands-on with the kinds of projects borrowers actually build: spec homes, small multifamily, infill, and mixed-use.
Specialties:
Construction • Bridge • Investor Financing • DSCR • Non-QM • Commercial • STR Loans
“Anybody can quote loan terms. Structuring the deal is the real skill.”
Construction Financing Experience
Day-to-day work spans the full range of construction scenarios — ground-up SFR builds, spec homes, small to mid-sized multifamily, mixed-use projects, mid-construction takeouts where another lender stalled, and select first-time developer transactions.
Every project is evaluated on the same operational fundamentals: borrower experience, liquidity, permit status, the construction budget, project viability in the local market, and a credible exit strategy. Those inputs — not marketing — drive whether a deal is financeable and which lender is the right fit.
- ✓Ground-up construction
- ✓Spec home financing
- ✓Small & mid multifamily
- ✓Mixed-use construction
- ✓Mid-construction takeouts
- ✓First-time developer scenarios
How the Process Works
Construction financing is more detailed than conventional lending. Lenders are funding a project that doesn't exist yet, in draws, against a budget and a completion value — so the underwriting work happens up front. Here's how a typical engagement runs.
1. Initial Review
Quick call or intake on the project, borrower, and timeline to confirm it's the right type of deal to pursue.
2. Project Evaluation
Review of the construction budget, plans, permit status, GC, and exit strategy — and a candid read on viability.
3. Lender Matching
Targeted submission to lenders whose program, leverage, and appetite actually fit the project — not a mass shotgun.
4. Documentation
Coordination of borrower financials, entity docs, contractor info, and any items the lender requests for underwriting.
5. Permits & Plans
Permit status and engineered plans are tracked alongside underwriting; gaps are flagged early instead of at the closing table.
6. Underwriting & Draws
Walk through what underwriting will scrutinize, how the draw schedule will work, and what to expect through funding and construction.
Who This Is For
Construction financing is highly project-specific, and not every project will qualify. Projects are evaluated based on borrower experience, liquidity, permit status, construction budget, and overall project viability.
The work here is best suited to:
How We Work Together
Communication is direct and realistic. If a project is financeable, you'll hear how and through which type of lender. If it isn't — or it needs to be restructured first — you'll hear that too, with the reasons.
Long-standing relationships with construction-focused lenders matter most when something on a deal needs to be talked through rather than emailed in. That kind of access usually decides whether a project closes on time or stalls.
Ready to Discuss Your Project?
We're here to help you navigate construction financing. Let's talk about your project.
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