Programs for New Builders
First-Time Developer Construction Financing in Sacramento
New to development? We work with lenders who offer first-time developer construction loan programs across Sacramento and Northern California. If you have liquidity, a viable project, and a qualified GC, we can help you get financed.
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Loan Details
Loan Amounts
$500K – $5MM+
LTV
Up to 75%
LTC
Up to 85–90%
Rates
Starting in the 9% range
Experience
First-time programs available
Key Requirement
Liquidity + qualified GC
Why Work With Us
First-Time Friendly
We don't turn away new developers. If your project makes sense and you have the financial backing, we'll find the right lender.
Project Viability Coaching
We review your budget, timeline, and project plan before submitting to lenders, helping you put your best foot forward.
GC Guidance
We can advise on what lenders look for in a general contractor and help you prepare the right documentation.
Sacramento Local Expertise
Our understanding of the local market helps first-time developers position their projects for approval.
Frequently Asked Questions
Can I get a construction loan with no development experience?+
Yes. Several of our lender partners offer first-time developer programs for borrowers who can demonstrate sufficient liquidity, a viable project, and a qualified general contractor.
How much cash do I need as a first-time developer?+
Requirements vary by lender, but first-time developers typically need more liquidity and skin in the game than experienced builders. We'll review your financial position during prequalification.
Do I need a licensed general contractor?+
Most lenders require a licensed, insured GC with a track record. If you're also serving as your own GC, certain programs may accommodate that with additional requirements.
What types of projects are eligible for first-time developer programs?+
Eligible projects typically include single-family spec builds, small infill developments, and smaller multifamily projects. Larger or more complex projects may require more experience.
Explore Other Loan Programs
Related Financing Options
After Construction: Long-Term Rental Financing
If your exit strategy is to hold the completed property as a rental rather than sell, plan your takeout financing early.
Investors holding completed properties as rentals commonly refinance the construction loan into a DSCR loan once the property is leased and producing income. DSCR financing qualifies on the property's rental cash flow rather than personal income, which is why it's a common takeout for stabilized rentals.
For long-term rental property financing, investor cash flow loans, and DSCR refinancing options, visit DSCRLoansOnline.com.
Ready to Finance Your Construction Project?
Get prequalified in minutes. Our team will review your project and connect you with the right lender.
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