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.

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