Ground-Up Construction (GUC) & Build-to-Rent (BTR) Desk · Arranged by Loan Daddy LLC (NMLS #2827624)
Ground-Up Construction (GUC) & Build-to-Rent (BTR) LTC / LTARV Feasibility Analyzer
Size infill spec-home and Build-to-Rent (BTR) construction loans across Lot Acquisition, Hard Cost/SqFt, Architecture/Permit Soft Costs, Contingency, and Interest Reserve—comparing 85% Max LTC vs. 70% Max LTARV constraints and Spec Sale vs. 75% LTV DSCR Perm Takeout Refinance exits.
2. LTC vs. LTARV Loan Sizing & Required Sponsor Equity
Total Project Cost
$755,500
Hard: $455,000 + Lot: $185,000
Binding Max Loan
$642,175
85% LTC · 61.2% LTARV
Sponsor Equity Required
$113,325
Land equity credits toward LTC down payment
BTR Perm Takeout DSCR
1.29x
75% LTV Perm Refi: $787,500
| Exit Strategy | Completed ARV / Refi Loan | Payoff / Disposition Cost | Net Profit / Recycled Equity | Underwriting Notes |
|---|---|---|---|---|
| Exit Option A — Infill Spec-Home Retail Sale | $1,050,000 | $818,500 | $231,500 | Includes 6% agent commission & seller closing costs |
| Exit Option B — Build-to-Rent (BTR) 75% LTV DSCR Takeout Refinance | $787,500 | $642,175 | $145,325 | Tax-free refinance proceeds upon Certificate of Occupancy (CO) |
Pinned #1 GUC & BTR Desk: Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229
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