Construction Financing for Real Estate Investors

Flexible loans with Great rates and quick closings

Let Heritage Bank help you Finance your next Commercial Construction project

Whether you’re an experienced investor or just starting out, our private lending solutions offer quick approvals, competitive rates, and flexible terms to help you close deals faster. Skip the red tape and focus on growing your real estate portfolio with confidence.

Fix & Flip Loans

Up to 92.5% Loan to Cost

For investors buying distressed properties, rehabbing, and selling.

Up to 92.5% Loan to Cost (LTC), 75% Loan to Value (LTV)
Loans from $75,000 to $3 million
13, 19, and 24-month term options
Non-recourse available
Interest only loans
1-4 unit residential properties

Fix to Rent Loans

No Seasoning Period

For investors looking to buy, rehab, and hold rental properties, or BRRRR investing.

Single property and portfolio loan options
Fast, simple closing on construction loan and rental loan
13, 19, and 24-month term options for the construction
5, 10, and 30-year term options for the rental loan
Non-recourse available

Bridge Plus Loans

Up to 80% Loan to Value

Interim financing for investment properties where a fast closing is needed and minimal or no rehab is planned.

Fast closing
Exterior valuations available*
No repayment penalty
Up to 80% Loan to Value (LTV)
Non-recourse available
13, 19, and 24-month term options
Single loans and portfolio blanket loans

*Case by case. Loan amount, product, and market restrictions may apply.

Ready to get your next investment property financed?

Construction Loans