Empty lots. Tear-down properties. Underutilized land. While others see vacant space, you see tomorrow's landmarks. In 2025, California's housing shortage has created the perfect environment for ground-up construction – and we have the financing to make your vision reality.
California's Construction Boom: Why Builders Are Winning Big in 2025
Market Reality Check:
- California needs 2.5 million new homes by 2030
- New construction sells for 25-40% premiums over existing homes
- SB-9 and SB-10 allow up to 10 units on single-family lots
- Construction costs stabilized after 2024's volatility
- Buyer demand for new homes at all-time highs
The math is simple: Massive demand + Limited supply + Strategic financing = Developer profits.
What Are Ground-Up Construction Loans?
Forget traditional bank bureaucracy. Our construction loans are built for speed and flexibility:
We Fund:
- Single-family spec homes
- Multi-unit residential projects
- Mixed-use developments
- Townhome communities
- Small subdivision projects
- Luxury custom homes
- Affordable housing projects
- ADU and SB-9 lot splits
From Dirt to Dollars: We cover land acquisition, permits, site work, construction, and carrying costs – everything you need from foundation to final sale.
Hot California Construction Markets
Los Angeles County: $1.2M average new home price | 45-day average DOM
Orange County: Luxury builds selling $500+ per sq ft | Instant buyer demand
San Diego: Military housing demand driving 30% annual appreciation
Bay Area: Tech recovery fueling $2M+ new construction presales
Sacramento: Affordable alternative with 60% profit margins on spec builds
Inland Empire: Land costs 70% below coastal = maximum ROI potential
2025's Hottest Construction Opportunities
The "Missing Middle" Goldmine: 2-10 unit projects in established neighborhoods
ADU Packages: Build multiple ADUs simultaneously for economies of scale
Lot Splits: One property becomes 2-4 income streams
Sustainable Builds: Net-zero homes commanding 30% premiums
Workforce Housing: State incentives + guaranteed demand = sure profits
Critical Market Timing Alert
Why Build NOW:
- Lumber prices down 35% from 2024 peaks
- Skilled labor more available than last 3 years
- Spring 2025 buyers already shopping
- Interest rates stabilized = confident buyers
- New CA building incentives expire December 2025
Next 90 Days = Prime Building Window
Your Construction Success Formula
- Find the Land – We'll help analyze deals
- Get Approved – 48-hour turnaround
- Break Ground – Fast funding to start
- Build Smart – Draw funds as needed
- Sell Big – Capture maximum profits
Stop Dreaming. Start Building.
Every vacant lot you pass could be your next success story. Every tear-down could be tomorrow's profit. But only if you have the right financing partner. Capital Direct Funding doesn't just fund construction – we fuel California's growth.
Don't Wait – Prime building lots are being grabbed daily. The house you could build tomorrow is the profit you'll miss today.