New Construction Loans in Washington D.C.

Ground-up construction is one of the highest-margin plays in Washington D.C. right now, especially in fast-growing Capitol Hill, Georgetown, Dupont Circle submarkets. G Elite Capital's Washington D.C. new construction loan funds up to 90% of land + 100% of vertical costs for spec builders and small developers — with a draw schedule tuned to actual Washington D.C. permit timelines.

Why investors choose G Elite Capital for New Construction Loans in Washington D.C.

• 90% of land acquisition + 100% of vertical construction
• Interest reserve rolled into the loan
• 1–4 unit spec builds and small townhome projects
• Draws funded in 24–48 hours after inspection
• Roll into a 30-year DSCR at CO if you decide to rent
• Experienced builder discounts on rate and fees

Washington D.C. New Construction Loans — Program Terms

Loan Amount

$200K – $5M

LTC

Up to 90%

LTV (as-completed)

Up to 75%

Term

12 – 24 months

Rates From

10.49%

Experience

1+ prior build preferred

Cities we lend in across Washington D.C.

Capitol Hill, Georgetown, Dupont Circle, Adams Morgan, Navy Yard, and every other Washington D.C. market.

Frequently asked questions

Do I need to be a licensed builder in Washington D.C.?

No, but you must use a licensed general contractor for the vertical build. Washington D.C. permit and inspection compliance is handled by the GC on record.

How are construction draws handled in Washington D.C.?

We fund on a milestone draw schedule — typically 4–6 draws from foundation through CO. Each draw is released within 24–48 hours of a passing Washington D.C. inspection.

Can I use this loan for a spec home in a Washington D.C. suburb?

Yes — spec builds in Washington D.C. suburban and exurban submarkets are our sweet spot. We look at absorption rates and comparable new-construction sales to size the loan.

What happens at Certificate of Occupancy?

You can list the home for sale, or roll into our 30-year DSCR loan at CO to hold as a long-term rental. Many Washington D.C. builders now rent one out of every three spec homes.

Apply for a New Construction Loan · Get a free quote