Construction loans for 5–30 unit buildings.
Financing for 5–30 unit buildings, from $2.5M up to $15M: up to 75% initial, 85% of total cost and 70% of the after-repair value, rates from 10.99%*, with the draws run in-house by the same team that closed the loan.
On every construction and fix & flip loan
5–30 unit construction terms.
| Term | What we offer | What it means |
|---|---|---|
| Building size | 5–30 units | Residential buildings, non-owner-occupied. |
| Loan amount | $2.5M to $15M | Building 1–4 units instead? See our ground-up construction loans. |
| Initial advance | Up to 75% | Of the as-is value, at closing. The rest of the loan is held for construction draws. |
| Total cost (LTC) | Up to 85% | Of land plus construction. |
| After-repair value | Up to 70% | Of the appraised value of the finished building. |
| Rate | From 10.99%* | Set at review, on the project and the sponsor. |
| Origination | 1.5 points | 1.5% of the loan amount. |
| Term | Up to 24 months | Extend for 0.5 points per three months. |
| Experience | 5 or more completed projects | A track record of finished projects, with some close to this one’s size. |
| Credit | 700 or higher | Representative credit score of the guarantor. |
| Where | Outside New York City | Not available in New York City at this time. |
Every file on this program gets a feasibility review of the plans, the budget and the builder.
Sizing a 12-unit build.
At closing, up to $1,125,000 (75% of the land) funds; $3,975,000 is held for construction draws, and you fund the rest of the $6,000,000 cost: $900,000. Origination at 1.5 points: $76,500.00. Example figures, not a quote.
From plans to draws.
Send the project
The site, the unit count, the plans, the budget and your track record.
Feasibility review
We review the plans, the budget and the builder before terms are final.
Appraisal
The as-is value and the completed value of the building.
Close
The initial advance funds at closing; the rest is held for draws.
Build & draw
Draws requested in the portal, inspected virtually or on-site, and funded in minutes once approved.
Working with Solomon Weiss at YS Capital Group was not just a good customer-service experience — it meant real savings.
5–30 unit construction questions
What loan amounts do you offer on 5–30 unit buildings?
From $2.5M to $15M.
How much of the cost do you finance?
Up to 85% of total cost and 70% of the after-repair value, with an initial advance of up to 75% at closing. The lower ceiling sets the loan.
What experience do I need?
5 or more completed projects and a credit score of 700 or higher.
Do you lend in New York City on this program?
Not at this time. The program is available outside New York City.
Is it only for ground-up construction?
No. It covers ground-up construction and renovation of 5–30 unit buildings, to sell or to hold.
What are the rates?
From 10.99%*, set at review on the project and the sponsor. Origination is 1.5 points.
What is the term?
Up to 24 months, with extensions at 0.5 points per three months.
How are the draws handled?
In-house, like every loan we make: requested in the portal, inspected virtually or on-site, and funded in minutes once approved. How our draws work.
Building 5–30 units? Send us the project.
The site, the plans, the budget and your track record. We answer with the structure and what the feasibility review needs.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.