A residential construction site with architectural plans and loan documents symbolizing increased construction loan leverage for experienced builders.
Austin, Texas, September 5, 2025
Easy Street Capital, an Austin-based private lender, has increased leverage on its EasyBuild construction product to offer up to 90% Loan-to-Cost (LTC) and 75% Loan-to-Value (LTV) for borrowers who have completed at least three construction projects. The change raises previous caps of 85% LTC and 70% LTV and aims to reduce required upfront equity, accelerate funding, and enable larger single-family and multifamily developments. Access is limited to experienced sponsors and tied to standard underwriting safeguards — documented budgets, schedules and past performance — to balance faster deployment of capital with risk controls.
A private lender based in Austin has increased the leverage on its new construction product to allow more borrower capital and less upfront equity for seasoned builders. Effective immediately, the updated program offers up to 90% Loan‑to‑Cost (LTC) and up to 75% Loan‑to‑Value (LTV) for qualified borrowers who have completed at least three construction projects.
The program update raises the limits from the prior caps of 85% LTC and 70% LTV. The higher ratios are only available to builders and investor‑developers with a proven track record of three or more finished deals. The lender says the move is aimed at experienced sponsors who are ready to scale up construction activity and need more flexible capital to do it.
The change comes as builders and investors face a tight housing market and rising demand for new units. A recent national analysis cited a rough shortfall of about 4.7 million homes, which has increased pressure to add supply quickly. By allowing higher LTC and LTV ratios to qualified borrowers, the lender is seeking to lower the cash needed at the start of a build and speed up funding so projects can break ground and reach completion faster.
Under the updated program, a builder with the required track record can finance most of the project cost through a construction loan, reducing the equity needed from their own balance sheet. The product supports both single‑family and multifamily residential construction and is positioned to support larger projects than before. The lender emphasizes streamlined underwriting, tailored loan structures, and market‑competitive pricing as part of the program offering.
Higher leverage increases lender and borrower risk, so access is limited to those with demonstrated experience. The lender continues to require documentation of completed projects, project budgets, schedules, and other standard construction loan checks. The intent is to balance faster deployment of capital with controls that verify a sponsor can deliver a project on time and on budget.
The move to expand leverage comes amid a busy funding market for construction and energy projects. Other recent transactions include large project finance deals for utility‑scale battery projects and sizable construction loans for affordable housing developments in the same state, illustrating active capital flows into both housing and energy infrastructure. These deals show that lenders and capital providers are finding ways to fund complex builds across asset types.
The enhanced leverage options are available nationwide to qualifying borrowers. Builders who meet the experience threshold and want to learn more about program details and lending criteria can find additional information on the lender’s website or contact the lending team for a pre‑application discussion. The program is designed to help experienced sponsors accelerate construction while managing cash outlays at the start of a project.
Builders and investor‑developers who can document at least three completed construction projects are eligible for the higher LTC and LTV limits.
The updated program offers up to 90% LTC and up to 75% LTV for qualified borrowers.
The product supports single‑family homes and multifamily residential construction, and is intended to allow sponsors to take on larger projects with less upfront equity.
The enhanced terms are effective immediately and apply to new loan applications that meet the program’s eligibility and underwriting requirements.
Yes. Higher leverage is tied to experience and a thorough underwriting process that reviews budgets, timelines, prior project performance, and other construction loan standards.
More details are available on the lender’s public materials and by contacting its lending team for eligibility checks and pre‑approval discussions.
| Feature | Detail |
|---|---|
| Program name | EasyBuild |
| Maximum LTC | 90% Loan-to-Cost |
| Maximum LTV | 75% Loan-to-Value |
| Eligibility | Borrowers with documentation of three or more completed construction projects |
| Previous caps | 85% LTC and 70% LTV |
| Target projects | Single‑family and multifamily residential construction |
| Purpose | Enable larger builds with minimal upfront equity and faster funding |
| Headquarters | Austin, Texas |
| Effective date | Immediate |
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