Construction & Rehab Loans

Funding for Ground-Up Builds, Major Renovations, and Repositioning

Agri-One Financial helps structure and secure construction and rehab financing for a wide range of commercial properties — from new multifamily builds to hotel renovations and value-add retail. We assist with everything from lender matchmaking to pro forma review and loan packaging.

Whether you’re breaking ground or bringing a distressed asset back to life, we’ll help you identify the best lending options based on your project size, timeline, and exit strategy.

  • Loan Size: $250,000 to $25M+

  • Property Types: Sub-Division Development, Apartments, hotels, retail, senior living, mixed-use

  • LTV / LTC: Up to 75% of completed value or 80% LTC (depending on lender)

  • Loan Terms:

    • 12 to 36 months interest-only during construction

    • Amortizing loan upon stabilization

    • One-time close construction-to-perm available

  • Draw Schedule: Monthly or milestone-based

  • HUD/FHA Programs Available:

    • Up to 83% LTC

    • 40-year fixed/amortization

    • Great for large multifamily or assisted living projects

  • Loan Size: $250,000+

  • LTV: Up to 65% of ARV (after-repair value)

  • Property Types:

    • Multifamily

    • Hotels & motels

    • Senior living

    • Office

    • Retail

  • Terms:

    • 12–36 months

    • Interest-only during rehab phase

    • Can convert to long-term loan or exit via refinance

  • Strong project plan with realistic pro forma

  • Defined construction timeline and budget

  • Experienced development or management team

  • Appraisal supports completed value

  • Viable exit strategy: refinance or sale