Texas Ground Up Construction Loans for Builders & Developers

Charming single-family home nestled in Austin, Texas, showcasing a blend of modern and rustic architecture.

Texas continues to be one of the hottest construction markets in the country. From Dallas-Fort Worth to Houston, San Antonio, Austin, and rapidly growing suburban markets, builders are racing to keep up with housing demand.

At Keck Capital, we specialize in financing experienced builders and developers constructing:

• single family homes

• duplexes

• small infill developments

• build-to-rent projects

• scattered lot construction

Especially builders completing approximately 15–25 homes or duplexes per year.

Built for Real Builders. Not Weekend Hobby Investors.

Our Texas ground-up construction loan program is designed for experienced builders and operators who understand construction timelines, budgeting, and project execution.

This is not a “cookie cutter” bank program.

We work with:

• established builders

• repeat investors

• developers entering new Texas markets

• small to mid-sized home builders

• duplex and infill developers

What Types of Properties Are Eligible?

Eligible property types include:

• Single family residences

• Duplexes (2-4 unit properties)

• Townhomes

• Planned Unit Developments (PUDs)

• Non-owner occupied investment properties

We focus heavily on:

• infill construction

• suburban development

• workforce housing

• median price point housing

Loan Highlights

Our Texas construction financing programs may offer:

• Loan amounts from $50,000 to $3,000,000

• Up to 75% Loan-to-Value (ARLTV)

• Up to 85% Loan-to-Final-Cost

• Up to 90% LTFC with financed interest reserves

• Interest-only payments

• 12-month loan terms

• Extension options available

• Up to 100% construction holdback financing

• No prepayment penalty

• Competitive rates

What is LTFC?

LTFC stands for Loan-to-Final-Cost.

This compares the total loan amount to the total completed project cost.

Example:

• Land + construction + soft costs = $1,000,000

• 85% LTFC = potential $850,000 loan amount

For qualified borrowers utilizing financed interest reserves, leverage may be increased up to 90% LTFC in certain scenarios.

Interest Reserves Help Builders Preserve Cash Flow

One of the biggest stress points for builders is carrying monthly interest payments during construction.

Keck Capital offers financed interest reserves on many projects, allowing borrowers to roll several months of interest payments into the loan itself.

This can significantly improve:

• cash flow

• project liquidity

• scaling capability

• project management flexibility

We Reward Experience

At Keck Capital, we understand that not all builders are the same.

An investor building their first project should not be underwritten the same way as a builder completing 20+ homes per year.

That is why our programs are structured around borrower experience, project complexity, and execution history.

Experienced builders may benefit from:

• higher leverage

• larger loan amounts

• financed interest reserves

• more flexibility on project structure

• streamlined underwriting

• improved scalability

We work with:

• established builders

• licensed contractors

• fix-and-flip investors transitioning into ground-up construction

• developers expanding into new Texas markets

Generally, experienced borrowers with multiple completed ground-up projects, strong credit history, and solid liquidity profiles receive the most aggressive leverage and pricing options.

For builders scaling into larger projects or multiple simultaneous builds, our team works closely with borrowers to structure financing that supports long-term growth rather than just a single transaction.

Texas Markets We Love We actively finance projects throughout Texas, especially:

• Dallas-Fort Worth

• Houston

• San Antonio

• Austin suburbs

• Frisco

• McKinney

• Celina

• Prosper

• Georgetown

• New Braunfels

Texas continues to see strong:

• population growth

• housing demand

• investor migration

• build-to-rent expansion

• suburban development

Boutique Lending Without the Big-Lender Headaches

At Keck Capital, we pride ourselves on being a boutique lender.

We intentionally stay small so we can focus on:

• borrower education

• communication

• realistic deal structuring

• common-sense underwriting

• fast decision making

• long-term builder relationships

Many institutional lenders treat builders like loan numbers.

We don’t.

We understand construction. We understand timelines. We understand change orders, draws, delays, inspections, and project execution.

Most importantly, we do not believe in price gouging borrowers simply because the market is busy.

Our goal is to help builders scale intelligently while maintaining a strong borrower experience throughout the process.

Se Habla Español

Nuestro equipo también habla español y trabajamos con inversionistas y constructores hispanohablantes en todo Texas.

Ready to Scale Your Texas Construction Business?

Whether you are building:

• spec homes

• duplexes

• scattered infill projects

• build-to-rent communities

• small developments

Keck Capital can help structure financing solutions tailored to your project and experience level.

Contact Naomi Keck today to discuss your next Texas construction project.