New All-In-One Valor Lot Loans | VALOR LENDING GROUP
Lot loans are one of those niche products where having the right lender actually matters. At Valor Lending Group, the approach is simple—look at the deal, understand the end goal, and structure financing that makes sense whether you’re holding the land or building on it.
EMAIL: bjones@valorlending.com
Lot Loans
A lot loan is designed for purchasing raw land or a buildable parcel, with the option to either hold it for future development or roll directly into construction. Valor Lending Group focuses on making these deals workable, especially when traditional banks hesitate or overcomplicate the process.
How Lot Loans Work
The structure depends on what you’re trying to do with the property. Some buyers are securing land for future use, while others already have plans to build.
At Valor, both paths are covered:
- Finance the land purchase on its own
- Transition into construction when you’re ready
- Or combine everything into an all-in-one ground-up construction loan
That all-in-one approach is where things get efficient. Instead of multiple closings, multiple fees, and re-qualifying later, the loan is structured upfront to cover the lot purchase and the build. It keeps the timeline tight and the process predictable.
Why Investors Like Lot Loans
Investors lean into lot loans for a few reasons:
- Ability to control a property before building
- Flexibility in timing the construction phase
- Lower upfront capital compared to all-cash land purchases
- Opportunity to create value through development
For those focused on rental or long-term holds, pairing a lot loan with a DSCR loan on the backend creates a clear exit strategy. Build the property, stabilize it, then refinance based on the income—not personal income. That’s a big advantage for scaling.
What Type of Properties Are Best
Lot loans work best for:
- Buildable residential lots
- Infill opportunities in established areas
- Tear-down and rebuild projects
- Land tied to a clear construction plan
The cleaner the property and the clearer the plan, the easier it is to structure the financing. That said, this is where experience matters—knowing how to position the deal makes a difference.
What You Need to Qualify
Qualifying for a lot loan typically comes down to a few key factors:
- Credit profile
- Available assets for down payment and reserves
- Overall financial strength
- The quality and location of the land
If you’re going into construction, additional details like plans, budget, and timeline come into play. And if your end goal is a rental, structuring it with a DSCR exit in mind from day one can make the entire process smoother.
Why Work with Billy Jones at Valor Lending Group
Lot loans, construction financing, and DSCR loans don’t fit into a standard box. That’s why working with someone who understands how to connect all the pieces matters.
Our focus:
- Structuring lot + construction + long-term financing as one strategy
- Offering all-in-one ground-up construction loans to simplify the process
- Setting up clean exits using DSCR loans for investors
- Keeping communication direct and the process moving
There’s always a way to get these deals done—it just comes down to how it’s structured from the beginning. That’s the difference with Valor Lending Group.
If you’re looking at land, building, or scaling a portfolio, it’s worth having that conversation upfront and mapping it out the right way.
EMAIL: bjones@valorlending.com
Call, Text, or Email me 7 Days a week for immediate attention to your loan scenario.
Billy Jones Sr. Loan Officer at 714-760-1353 | Email Link: bjones@valorlending.com
Recently Closed Deals | Valor Lending Group
$1,044,550 New loan | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 New loan | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 New loan | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 New loa | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 New loa | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 New loan | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 New loan | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 New loan | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 New loan | DSCR Loan | Purchase | 75% LTV| Seattle, WA
VALOR LOANS RECAP:
Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
Stated Income Loans (Great for business owners and self-employed) No tax returns!
100% financing with cross collaterizing other properties.
Valor VA Home Loan 100% financing up to $2.5MM
Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
Flipper & Rehab Loans (Flip a property with one of our many options)
Raw Land & Lot Loans
Ground-up Construction for spec homes, custom homes, and commercial ground-up.
Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
Acreage Properties
3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
Foreign Nationals Loans (no social security or residency required
Also:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance
**Rates and terms are subject to change without notice
VALOR GOOGLE REVIEWS CLICK HERE
EMAIL: bjones@valorlending.com
Billy Jones Sr. Loan Officer at 714-760-1353 | Email Link: bjones@valorlending.com
EMAIL: bjones@valorlending.com
