This is my personal blog intended to increase learning and understanding of construction loan rates, hard money lenders, fix and flip loans and other industry related topics for home builders and investors. Please comment. I'd love your feedback. 

Drawn Balance vs Gross Balance Interest Calculation Lenders can calculate interest on the principle balance of a loan (a.k.a., "drawn balance"), or on the gr...

While your credit score is an important factor in the construction loan approval process it is not the only thing that is considered. In fact, even borrowers...

A down payment demonstrates to the lender that you are willing to share a portion of the risk associated with the loan. It adds security to the loan and ensu...

Loan to Cost (#LTC) is a ratio used in the construction lending industry to compare the loan amount for a project to the cost to build the project. As an exa...

Loan to Value (LTV) is a ratio that compares the size of the loan you intend to take out to the value of the real estate project. Understanding the LTV ratio...

Despite the fact that I work for Builders Capital, a direct lender, I occasionally have borrowers ask me if they should hire a broker. While there are times w...