Investor Loans

Ground Up Single-Family Rental (SFR)

Financing for homebuilders and investors constructing new single-family properties, from single infill lots to small subdivisions and build-to-rent communities.

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At a Glance

Funding Amount $50,000 - $3,000,000

Term 12 - 24 Months

Overview

The Angel Funding Advantage

The housing shortage has created a massive opportunity for builders and investors. Whether you are doing urban infill development, building a spec home in the suburbs, or developing a Build-to-Rent (BTR) portfolio, our Ground-Up SFR financing provides the leverage and agility you need.

Streamlined transitions to rental loans

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Project Approval

Submit your architectural plans, budget, permits, and builder resume for underwriting.

Land Acquisition / Payoff

At closing, we fund the land acquisition (or pay off the land loan) and provide the initial soft cost disbursements.

Construction Draws

As construction progresses, you submit draw requests.

Exit

Sell the finished spec home to a retail buyer, or transition the property into a DSCR loan to hold it as a rental.

Who Qualifies?

Builders with 1-2 past ground-up projects (standard) or 3+ similar projects (experienced tier with higher leverage and longer terms)
First-time builders considered case-by-case or paired with an experienced guarantor
Eligible properties: non-owner occupied 1-4 unit residential, townhomes, and condos (no mixed-use, 5+ unit multifamily, rural properties, or operating farms)

Why Choose This Option

Experienced builders can run up to 10 properties under a program simultaneously.
Seamless pipeline into 30-year permanent debt for BTR strategies.

Common Scenarios

How businesses use Ground Up Single-Family Rental (SFR)

Spec Home Building

Building a luxury single-family home to sell to an owner-occupant on the retail market.

Infill Development

Tearing down a dilapidated structure in an urban core to build two modern townhomes.

Build-to-Rent (BTR)

Developing a 10-home subdivision specifically designed to be held as a cash-flowing rental community.

Scattered Lot Building

A volume builder constructing 5 different homes on non-contiguous lots simultaneously.

FAQ

Frequently Asked Questions

Get the facts on Ground Up Single-Family Rental (SFR).

Can I build a rental portfolio from the ground up?

Yes, "Build to Rent" is highly popular. We can seamlessly transition your construction loan to a 30-year DSCR loan once the certificate of occupancy is issued and a tenant is placed.

Do I have to be the General Contractor?

No. You can be the sponsor/investor and hire a licensed third-party GC. However, the lender will heavily vet the GC's resume to ensure they have the capacity to complete the build.

Can I finance the land purchase with this loan?

Yes, if the land is shovel-ready (entitled and permitted), we can roll the land acquisition into the first draw at closing.

What if I am a first-time builder?

Guarantors with no ground-up experience are considered on a case-by-case basis, or can be paired with an experienced guarantor.

Are horizontal improvements covered?

We typically prefer shovel-ready lots (horizontal work like sewer, water, and grading already completed), but we can evaluate horizontal development on a case-by-case basis for strong sponsors.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding

Commercial Real Estate