Construction Loans Ground Up in Columbia County Washington
LoiNow provides fast, asset-based ground up construction loans for real estate investors, contractors, and developers building new residential or commercial properties in Columbia County, Washington — including Dayton, Starbuck, Huntsville, Tucannon River region, and surrounding agricultural redevelopment areas.
Why Investors Build With LoiNow
Banks ask for tax returns, W-2s, deposits, net worth statements, DTI ratios, etc.
We don’t.
With LoiNow:
✅ No income documentation
✅ No tax returns or W-2s
✅ No personal DTI requirements
✅ Fast milestone draws (24–48 hours)
You focus on building — we handle the funding.
How to Qualify?
Minimal requirements:
- Basic credit review
- Scope of work + timeline
- Budget spreadsheet or line-item breakdown
- GC or subcontractor info
Property Types Eligible
- Ground-up construction financing available for:
- Investment new builds (residential)
- Duplex / Triplex / Quadplex
- Small multifamily (2–20 units)
- Spec homes
- Infill redevelopment
- Build-to-rent portfolios
Why Columbia County is ideal for new build investment:
- Lower land acquisition cost
- Workforce housing demand for agricultural zones
How the Process Works
Submit Deal Scenario
Send us the address, purchase contract, and timeline.
Same-Day Soft Terms Issued
No hard credit pull.
Fast Closing
Loan docs to title, closing in as little as 5–7 days.
Benefits over Traditional Banking
Approvals in days
Distressed property support
Closing in 5 - 7 days
Rehab financing included
No Income Docs Required
Loan Program Overview
Feature | Details |
Loan Type | Ground-Up Construction (Private Money) |
Loan Amount | $150,000 – $10,000,000+ |
Funding Speed | 7–14 business days |
Max LTC | Up to 85% Loan-to-Cost |
Max ARV | Up to 70% ARV (After-Repair Value) |
Draws | Fast draws — no bank delays |
Payments | Interest-only during construction |
Docs | Minimal. No income docs required. |
Credit Score | Flexible — investor lending |
FAQs
Same day approval. Funding in 7–14 days.
No. We finance based on the property and the project.
Yes — as long as a qualified GC is attached.