Specialized Financing for For-Sale Residential
For-sale residential development operates differently than rental properties. Lenders evaluate presales, absorption rates, and market demand rather than stabilized cash flow. Exit comes from unit sales, not refinancing into permanent debt.
This creates unique financing requirements—and requires lenders who understand the for-sale development model. Brookmont Capital Ventures helps residential developers access construction financing, acquisition and development loans, and project equity for condo, townhome, and subdivision projects nationwide.
Financing Options
Acquisition, Development & Construction (AD&C) Loans
Full-cycle financing covering land acquisition, horizontal development, and vertical construction with draws tied to presale milestones and construction progress.
- Land and lot development financing
- Vertical construction draws
- Presale release triggers
- Interest reserves through sell-out
Horizontal Development Loans
Financing for land acquisition and site development—grading, utilities, roads, and lot creation—before vertical construction begins.
- Land acquisition and entitlement
- Infrastructure and site work
- Lot takedown structures
- Finished lot inventory lines
Vertical Construction Loans
Financing for building construction on finished lots, structured around presales and projected absorption.
- Spec and presold unit financing
- Draw schedules tied to completion
- Flexible release pricing
- Bridge to unit closings
Mezzanine & Preferred Equity
Subordinate capital to reduce developer equity requirements or bridge gaps in the capital stack.
- Gap financing between senior debt and sponsor equity
- Preferred returns with profit participation
- Project-level or entity-level structures
Project Types
We help developers access capital for a range of for-sale residential product types across markets.
What Lenders Evaluate
For-sale residential lenders focus on different metrics than rental property lenders:
Presales & Absorption
- Number and percentage of units under contract
- Deposit amounts and buyer qualification
- Comparable project absorption rates
Market Fundamentals
- Supply/demand dynamics in the submarket
- Pricing relative to resales and competing new construction
- Buyer demographic trends
Sponsor Track Record
- Prior for-sale development experience
- Sell-out history on comparable projects
- Builder/contractor relationships
Project Economics
- Hard and soft cost budget
- Pricing and margin assumptions
- Contingency and interest reserve adequacy
Our Process
Project Review
We evaluate your project plans, presale status, and capital requirements to identify appropriate financing strategies.
Lender Matching
We connect you with lenders experienced in for-sale residential who understand presale-based underwriting.
Package Preparation
We help prepare lender-ready packages including budgets, pricing schedules, presale summaries, and market analysis.
Term Negotiation & Closing
We negotiate terms and coordinate through closing, ensuring your financing aligns with your sell-out timeline.
Ready to Finance Your Development?
Whether you're building condos, townhomes, or a single-family subdivision, Brookmont Capital Ventures can help you access construction financing and development capital.
Questions? Contact our team at info@brookmontcapital.net