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Ground-Up Construction in Nashville

Nashville rewrote the rules on infill construction in one pass. BL2025-1006 cut the maximum height on single-family and two-family lots from 3 stories to 2.5, with the new height table effective February 27, 2026, and at the same time deleted the old five-part test that made two-family permitting a fight. The envelope got shorter and the entitlement got easier, which changes what a lot yields and what it is worth. We fund land plus vertical construction up to 70% LTV and 85% of cost, sized to the plan you can actually permit, subject to underwriting.

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70%
max LTV
85%
of cost
Most states
funding
$5M
max loan

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

We finance both the land and the vertical construction, with a draw schedule built around your timeline. Experienced builders can access higher leverage on cost.

Who it's for
Spec home builders
Developers and operators
Lot purchase or teardown
Build-to-rent strategies
Typical terms
Loan amountUp to $5M
LeverageUp to 70% LTV / 85% LTC
Term12 to 24 months
DrawsPer build schedule
RateFrom 10.00%*
UseSpec or build-to-rent
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*Typical terms, subject to underwriting and market conditions.

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Ground-Up Construction in Nashville: local questions

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