A trusted builder. A partially constructed home. And a deal that required flexibility to get across the line.
The Challenge
Our client, a seasoned general contractor and one of Equidy’s most trusted repeat borrowers, identified an opportunity to complete the construction of a new single-family home in the Bay Area.
The project was already underway but required a structured construction facility to bring it to completion. The loan request was for a $795,000 first lien construction loan to fund the build of a modern, two-story, 3-bedroom, 2.5-bath home spanning approximately 1,780 square feet.
While the borrower had a strong track record with Equidy and significant experience delivering successful projects, the deal required additional creativity. To strengthen the overall position and secure the opportunity, we structured the loan with cross-collateral against another fully remodeled property owned by the borrower.
This approach provided enhanced protective equity and reduced risk, allowing the borrower to move quickly and confidently. It’s a clear example of how flexible private money can unlock projects that traditional lenders would struggle to structure – especially mid-construction.
When the loan closed, the borrower had the certainty and capital required to complete the build.
The Result
Over the following months, the partially completed structure was transformed into a striking contemporary home.
The property features high ceilings, an open-concept living design, and a seamless flow between kitchen, dining, and living areas. The kitchen was finished with sleek stainless steel appliances, premium countertops, and modern fixtures, while the bathrooms were appointed with custom finishes and high-quality materials throughout.
Designed as a 100% electric home and equipped with fire sprinklers for added safety, the finished property reflects both craftsmanship and forward-thinking design.
Initially listed for sale at $865,000, the borrower ultimately chose to pivot strategies and retain the property as a rental, securing approximately $4,500 per month in income.
That flexibility, both in financing and in exit strategy, underscores what experienced property flippers and developers value most: options.
How Creative Finance Unlocked a Big Win
By leveraging cross-collateral and structuring a first-position construction loan, Equidy enabled a trusted borrower to:
- Secure a high-potential infill development opportunity
- Complete construction on a modern, high-quality home
- Increase overall portfolio value
- Generate strong rental income as a long-term hold
For repeat clients, speed, certainty, and flexibility matter. This project demonstrates how Equidy works alongside experienced builders to structure solutions that align with both short-term execution and long-term wealth strategy.
Ready to Structure Your Next Project?
Whether you’re completing a build, acquiring your next flip, or leveraging existing equity to move faster, Equidy provides flexible private money solutions for California developers and property entrepreneurs.
If you have a deal that needs creative structuring, let’s talk.
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