| Capital deployment focus | $45 million through lending partners |
| Ideal project size | $2 million to $10 million in total project cost |
| Who we want to hear from | House builders, developers and fix-and-flip operators |
| Announcement date | September 18, 2026 |
Have a property under contract, a construction budget ready, or a renovation project waiting on capital? Stonehaven Lending is seeking house builders, residential developers, and fix-and-flip operators with projects in the $2 million to $10 million range. We have $45 million to deploy into qualifying real estate deals through our lending partners, and we want to review projects that are ready for a financing conversation.
Our focus is practical: help operators line up acquisition, construction, or renovation financing so they can move a viable project toward its next stage. Bring us the property, the budget, your experience, and the exit plan. We will evaluate how the capital request fits the deal.
The $45 million is our stated deployment focus as of September 18, 2026. Availability can change as deals are allocated and funded. Stonehaven is a real estate capital advisory and brokerage firm that arranges financing through third-party capital providers. This announcement is an invitation to submit projects, not a loan approval or a commitment of funds to any particular borrower.
Construction and fix-and-flip financing at a glance
- Up to 100% LTC construction financing: qualifying projects may be considered for financing up to 100% of eligible total project costs through our lending partners. Underwriting and completed-value limits still apply.
- Ground-up construction loans: capital for spec homes, new builds and residential development projects with a defined budget and exit.
- Fix-and-flip loans: acquisition and renovation financing for substantial rehab projects targeting a resale exit.
- Teardown and rebuild financing: review the purchase or existing payoff together with demolition and new construction costs.
- Construction financing on property you already own: submit the current payoff, land equity and remaining build budget.
- $2M–$10M total project size: our ideal range for this deployment focus. Requested loan amounts are evaluated separately.
- LTC, LTCV and ARV questions: searching for “100% LTCV” or “100% construction financing”? Ask exactly which cost or value is the denominator. Up to 100% LTC does not mean 100% of completed value or ARV, and fees, reserves and excluded costs can still require cash.
Our ideal project: $2 million to $10 million
The $2 million to $10 million range refers to total project size, which we review using the project's total cost. It is not a blanket loan-amount range and it is not the projected resale value. Your requested loan may be different, depending on acquisition or existing debt, construction costs, equity, reserves, and the financing structure.
For the initial review, separate three figures: total project cost, requested loan amount, and projected completed value. A clear breakdown makes it easier to understand what you need funded, what you are contributing, and how the loan is expected to be repaid.
We are especially interested in operators who can explain the business plan and support the numbers. A recognizable address or an attractive projected resale price is only part of the story. The scope, execution team, budget, schedule, and intended exit need to work together.
Ground-up construction and spec-home builders
If you are a house builder looking for capital to start a project, show us where the project stands today. Is the site under contract or already owned? Are plans complete? What is the permit status? Who will manage construction, and what comparable projects has the team delivered?
Ground-up residential construction and spec-home development can involve several capital needs within one project: site acquisition, construction, and the carrying period before sale or a separate refinance. We can evaluate these needs together while reviewing the initial advance and proposed construction allocation separately.
Useful scenarios include a new spec home, a small group of homes, or a luxury residential build with a documented budget and a supported completed-value estimate. Each request receives its own review; a project falling within our preferred size range does not automatically qualify.
Teardown, infill, and redevelopment projects
A property with an existing house can create a development opportunity, but the financing request should explain what happens between purchase and the finished product. Include demolition or substantial site work in the scope, identify what is being retained, and show the path to the proposed new construction.
If you already own the property, send the current mortgage payoff along with the remaining budget. Existing ownership changes the starting point. We need to distinguish debt to be retired, equity already invested, and new work still to be financed. Our guide to construction financing on property you already own explains the questions to bring to that review.
Fix-and-flip capital for substantial renovation projects
We also want to hear from fix-and-flip operators working on projects in our preferred cost range. That may involve a substantial renovation or a group of properties presented for review. Clearly identify whether the request concerns one property or several; do not assume a portfolio will be treated as one loan.
For a fix-and-flip financing request, provide the purchase price or current payoff, a line-item renovation budget, projected resale value, and the expected work and marketing timeline. Explain the improvements that support the exit value rather than relying on a target sale price alone.
If work has already started, identify completed work, spending to date, and the cost to finish. A construction-completion or renovation-completion request needs a clear picture of what remains. Eligibility and funding structure depend on the actual project and lender review.
Looking for high-leverage financing?
Stonehaven works with lending partners that can consider up to 100% loan-to-cost financing for qualifying construction scenarios. That is a potential program maximum, not a promise that every project receives full financing or that a builder will need no cash.
Ask what costs qualify, how completed value affects sizing, what is funded initially, and how later funds become available. Fees, reserves, excluded expenses, and the timing of contractor payments can affect the cash you need. Read our breakdown of builder cash requirements with up to 100% LTC financing before comparing headline percentages.
The useful question is not simply “How high can the leverage go?” It is “Does this structure provide the right funds at the right stages, with a workable repayment plan?” We can review that question around your actual project rather than apply a percentage to an incomplete budget.
What to send for a project review
- Property location: city, state, and the property or site being considered.
- Project type: ground-up construction, spec home, teardown and rebuild, or fix-and-flip.
- Acquisition or payoff: purchase price if buying, or current debt if already owned.
- Budget: construction or renovation costs, other project costs, and total project cost.
- Values: current value and projected completed or resale value, with the basis for each.
- Capital request: requested loan amount, equity invested, and planned cash contribution.
- Experience: relevant completed projects and the builder or contractor involved.
- Readiness: contract, plans, permits, work completed, and expected start date.
- Exit: sale, rental hold, or a separate refinance, with the expected timeline.
You do not need a polished presentation to start. A concise summary with consistent numbers is more useful than a long pitch that leaves the financing need unclear. Start with the project details in the form below; we can identify what else is needed during follow-up.
Show us the deal you want to start
If capital is the missing piece for your next build or flip, submit your $2 million to $10 million project for a financing review. Tell us what you are buying or building, the total budget, how much financing you need, and how you intend to repay it. We follow up by text.
For an example of how different financing stages can fit together, see our acquisition, construction, and refinance case study. For Atlanta-area redevelopment, explore our teardown and rebuild financing guide. These resources explain structures to evaluate, not terms guaranteed for your project.
Frequently asked questions
Is $2 million to $10 million the loan size or project size?
It is our preferred total project-cost range. Provide the requested loan separately so we can evaluate the capital structure.
Does Stonehaven lend its own $45 million?
Stonehaven arranges financing through third-party capital providers. The $45 million describes the stated deployment focus through our lending relationships, not a claim that Stonehaven is a direct lender.
Can I submit a project before buying the property?
Yes. Share the proposed purchase, contract status, budget, and exit plan. An initial review does not guarantee financing or establish that all closing conditions can be met.
Can you review a property I already own?
Yes. Include the current payoff, equity invested, work completed, and remaining cost. The structure may differ from an acquisition request.
Are these owner-occupied home loans?
This announcement targets business-purpose investment, construction, and renovation projects. Consumer home-loan requests require a separate review and are subject to applicable residential licensing.
Stonehaven Lending is a real estate capital advisory and brokerage firm, not a direct lender. Financing is arranged through third-party capital providers and is subject to lender underwriting, borrower qualifications, property review, state and program availability, and final approval. Capital availability and program terms may change. This announcement does not reserve funds or guarantee approval, leverage, pricing, or a closing date.