Rumson, NJ
$3,505,000
New Construction · Single-Family
A $3.505M construction loan for a luxury single-family new build in Rumson, NJ — one of the largest residential construction loans in our recent portfolio.
Luxury Monmouth County new build
Luxury New Construction
Luxury New Construction & Spec Home Financing
Business-purpose construction financing for experienced builders and real estate investors. Fund luxury spec homes, ground-up residential projects and teardown/rebuild investments with a clear budget, construction draw plan and supported sale or refinance exit. These programs are for non-owner-occupied investment property, not personal-use construction mortgages.
Apply NowBuilt around your project
From Site Acquisition to a Finished Luxury Home
Luxury spec homes, ground-up investment builds, and teardown/rebuild projects need more than a loan amount. A4 reviews the property, execution plan, and completed-home market together.
Business-purpose financing for non-owner-occupied investment property. Broader investor programs remain available; each request is subject to underwriting.
- A property-specific review
- Site or purchase basis, plans, local comparables, and your sale or refinance exit shape the financing conversation.
- Capital aligned with the work
- Approved construction costs and an agreed draw schedule connect funding to progress on the build.
- An in-house lending team
- Work with A4 on underwriting, draw administration, and servicing from initial review through repayment.
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A4-funded projects
Luxury Homes. Real Project Financing.
See the homes and loan structures behind our construction lending, alongside acquisition and renovation financing for investors.
Rye, NY
$2,975,000
New Construction · Single-Family
A4 closed a $2.975M new construction loan for a high-end colonial in Rye, Westchester County. The borrower needed a lender who understood the local luxury market and could move fast — we delivered terms and closed on schedule.
Westchester luxury new build
Our Track Record Of Success
Loans completed
0+
Transaction Experience
$100M
Yrs Combined Experience
0+
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Construction Financing for Luxury Investment Homes
Ground-up capital structured around the site, builder and finished property.
A4 reviews land basis, project plans, approval status, hard and soft costs, contractor capacity, contingency and completed-home comparables. A luxury finish level needs an executable business plan, not simply a higher projected resale price.
Project-focused review
Present site control, plans, approval status and comparable completed homes for a property-specific lending review.
In-house support
Work with A4 on underwriting, draw administration and servicing from the initial request through repayment.
Defined leverage
Request financing up to 85% of approved total project costs, subject to valuation and complete underwriting.
Luxury New Construction
New Construction Loan Terms
Construction loan proceeds depend on approved costs, valuation, sponsor experience and the repayment plan. Maximum advertised leverage does not guarantee approval or the full commitment at closing.
Average Processing Time
5-10 Days
Loan Rates starting at
8.5%+
Loan-to-Value up to
Up to 75%
Loan to Cost up to
Up to 85%
Loan Size
$500K – $12MM
Prepayment Penalty
No
Business-Purpose FinancingNon-Owner-Occupied Property
Luxury Spec Homes, Ground-Up Builds & Teardown/Rebuilds
Prepare an itemized sources-and-uses budget, a contractor execution plan and a supported exit. Construction funds may follow an agreed draw schedule as work progresses; ask about inspections, supporting invoices, eligible expenses and the proposed interest structure before closing.
Luxury spec construction
Build investment homes for resale with specifications and comparable finished properties that support the target buyer and exit.
Land & replacement homes
Separate land acquisition, demolition, site work and construction costs for ground-up or teardown/rebuild financing.
Budget, equity & reserves
Plan funds for project equity, contingency and carrying costs. On an illustrative $1MM approved cost basis, 85% LTC means no more than $850K financed and at least $150K of project equity before excluded costs.
A4 Lending Areas
East Coast Lending AreasMountain West Lending AreasComing soon
New Construction Financing Questions
Plan Your Construction Loan Request
Review project fit, approved costs, construction draws and repayment before starting a luxury investment build.
Apply Now