A residential construction site with architectural plans and loan documents symbolizing increased construction loan leverage for experienced builders.
Austin, Texas, September 5, 2025
Easy Street Capital, an Austin-based private lender, has increased leverage on its EasyBuild construction product to offer up to 90% Loan-to-Cost (LTC) and 75% Loan-to-Value (LTV) for borrowers who have completed at least three construction projects. The change raises previous caps of 85% LTC and 70% LTV and aims to reduce required upfront equity, accelerate funding, and enable larger single-family and multifamily developments. Access is limited to experienced sponsors and tied to standard underwriting safeguards — documented budgets, schedules and past performance — to balance faster deployment of capital with risk controls.
A national private lender based in Austin, Texas, has increased how much it will lend on new residential construction, allowing seasoned builders to move forward with less cash up front. The change takes effect immediately and raises maximum financing to 90% Loan‑to‑Cost (LTC) and 75% Loan‑to‑Value (LTV) for qualified borrowers.
The lender’s updated product, aimed at experienced residential developers and investor‑builders, raises previous limits that were 85% LTC and 70% LTV. To qualify for the higher leverage, borrowers must have a proven track record of at least three completed construction projects. The program is designed to support both single‑family home builds and multifamily units and is intended to speed up project starts by reducing the need for large equity checks.
The move responds to tight housing supply across the country. Recent market research points to a shortfall of roughly 4.7 million homes, and lenders and builders are under pressure to accelerate new construction to narrow that gap. The lender says the revised terms are meant to provide experienced developers with more financial flexibility to scale building activity and help close the supply shortfall.
The enhanced product is part of an existing program for new construction financing. Key features include rapid funding for ground‑up projects, options for both single‑family and multifamily construction, and loan structures that can be tailored to project size and schedule. The lender states it emphasizes streamlined underwriting processes and competitive market rates while offering personalized structuring to match project needs.
Borrowers aiming for the top leverage tier must show a track record of at least three completed development or construction deals. Underwriting will look at project budgets, expected sales or rental income, borrower experience, and local market fundamentals. The program is pitched to experienced investors who plan larger or multiple projects and prefer to preserve capital by using higher construction financing percentages.
By boosting LTC and LTV thresholds for qualified builders, the lender is betting that more projects will clear early financing hurdles. In practice, that can speed delivery of new housing units, since developers can commit less equity and move faster from planning to construction. The change may particularly benefit projects where land and hard costs are predictable and where sponsors have demonstrated delivery success.
The lender operates nationwide from its Austin headquarters and offers the updated product across its footprint. It describes the change as part of a larger suite of financing options available to real estate investors, with the aim of supporting projects across different markets and product types.
The announcement indicates additional program details and application steps are available through the lender’s investor resources online. Interested developers should review eligibility requirements and prepare documentation showing prior project experience before applying.
Builders or investor‑developers with at least three completed construction projects are eligible to apply for the top leverage levels, subject to standard underwriting and market review.
Loan‑to‑Cost (LTC) measures the loan amount versus the total project cost (land plus hard and soft costs). Loan‑to‑Value (LTV) compares the loan to the finished property’s estimated value. Higher LTC reduces how much equity a builder must bring to cover project costs.
Yes. The program is structured to fund both single‑family homes and multifamily units, with loan terms and structures tailored by project type.
The lender increased the top LTC from 85% to 90% and the top LTV from 70% to 75%, enabling experienced borrowers to finance a larger share of project costs.
Expect to provide evidence of prior completed projects, detailed project budgets and schedules, pro forma valuations, and documentation of borrower qualifications. Projects will be underwritten based on cost accuracy, market demand, and sponsor experience.
| Feature | New terms | Prior terms | Notes |
|---|---|---|---|
| Maximum LTC | 90% | 85% | Reduces upfront equity required for construction budgets. |
| Maximum LTV | 75% | 70% | Raises loan share based on expected finished value. |
| Eligibility | Minimum of three completed construction projects | Used to verify delivery experience and lower development risk. | |
| Project types | Single‑family and multifamily | Funding available for ground‑up residential projects. | |
| Availability | Nationwide (from Austin headquarters) | Offered across the lender’s footprint with tailored loan options. | |
| Purpose | Accelerate residential construction | Program aims to address the national housing shortfall by enabling faster starts. | |
, September 8, 2025 News Summary Princeton’s council will consider borrowing $6.3 million from the New…
Richmond Hill, Georgia, September 8, 2025 News Summary ECI Group has broken ground on The Averly…
Czech Republic, September 8, 2025 News Summary Industrial production in the Czech Republic strengthened, driven by…
Pasadena, California, September 8, 2025 News Summary The Pasadena City Council will consider an amended development…
Latin America, September 8, 2025 News Summary Two recent studies present conflicting size and growth estimates…
China, September 8, 2025 News Summary Dongfeng has finished construction of a 47,000 m² gigacasting factory…