Hard Money Henry

Construction Loans. Land And Build In One Loan.

Financing for new construction projects from land acquisition through completion. Land and construction in one loan with draws released as you hit milestones. First build or seasoned developer — both welcome.

11–14%
Rates
Up to 90%
Cost
12–24 mo
Terms
Apply For Construction FundingRehab budget calculator
The Terms

What You Can Get

Interest Rate
11–14%
Loan-to-Cost
Up to 90%
Land Acquisition
Included in loan
Points
From 2
Term
12–24 months
Draws
Milestone-based

Ground-up residential, spec, infill, small commercial. Licensed GC. LLC. Not owner-occupied.

The Process

How It Works

  1. 01

    Send The Project

    Share the land, your budget, plans or scope, and timeline. Land purchase can be rolled into the loan.

  2. 02

    Underwrite The Build

    I size the loan against total project cost and completed value, then structure a draw schedule around your milestones.

  3. 03

    Close On Land

    Close and take down the land. Construction funds are set aside and released as each phase is completed.

  4. 04

    Build & Exit

    Draw through the build, reach C.O., then sell or refinance into a permanent loan.

Run The Numbers

Rehab Budget Calculator

Build the line items first. Then send me the budget land, scope, timeline.

Rehab budget calculator
Proof It Works

Construction Deals I've Funded

Real closings. Same structure waiting for your next construction.

See All Closed Loans

Draw inspections were 48 hours, not three weeks. My crew never stopped and the spec home sold before certificate of occupancy.

Danny R. · Spec builder · Tampa, FL
Where I Lend

Where I Fund Construction Deals

Markets I fund.

Construction Loan FAQs

No experience required. I work with first-time builders and seasoned developers alike, with direct access to the decision makers. A licensed GC on the project strengthens the deal.

Yes. The loan can cover both the land acquisition and the construction costs, with funds released through milestone-based draws.

Your construction budget is held in reserve and released in stages as work is completed and inspected — typically foundation, framing, mechanicals, and finishes. Fast inspections keep the project moving.

At certificate of occupancy you exit the construction loan by selling the property or refinancing into permanent financing — often a DSCR rental loan if you plan to hold it.

Yes. In addition to ground-up residential and spec builds, I fund small commercial and mixed-use construction projects. Send me the details and I will structure it.

Other Programs

More Ways To Fund

Ready To Fund Your Deal?

Send the address, the numbers, and the exit. Same-day answer. No fee, no obligation.

Apply For Construction Funding
Apply For Construction Funding