Recently Funded Ground-Up Construction Loan In Malibu, California
Loan Scenario:
A builder with a verified ground-up project under their belt came to American Heritage Lending to refinance an active Malibu construction, and our construction loan program provided the capital to carry the build to completion. Against a $557,000 land basis and a $1,760,000 construction budget, we structured a no-cash-out refinance of $1,969,450 at 85% loan-to-cost, comfortably positioned at 69.10% of the projected $2,850,000 after-construction value on an 18-month interest-only term. The scope runs the full ground-up sequence, from site clearing, grading, and utilities through foundation, structural steel, framing, roofing, and exterior finishes.
Few markets reward a finished product like Malibu, a coastal California enclave where oceanfront scarcity and persistent luxury demand support some of the highest values in the country. Construction financing that keeps a high-end project on schedule is essential in a market where carrying costs and timelines carry real weight.
By refinancing into a term built around the completion timeline, we gave this builder room to finish and list without pressure. If you have a ground-up project that needs the right capital partner, explore your financing options with us.
Similar Recently Funded Case Studies: Ground-Up Construction Loan in Lafayette, CA • Ground-Up Construction Loan in Newnan, GA • Ground-Up Construction Loan in Palm Bay, FL
Key Deal Points
| Address | Malibu, CA |
| Loan Type | Ground Up Construction – Refinance |
| Borrower Profile | Limited Experience |
| Property Type | Single Family Detached |
| Land Price | $557,000 |
| Construction Budget | $1,760,000 |
| After Construction Value | $2,850,000 |
| Loan Amount | $1,969,450 |
| LTC | 85.00% |
| LTARV | 69.10% |
| Term | 18-Month Interest-Only |
