Ground-up construction loans for builders and investors developing new properties in Idaho. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Idaho is a top-inflow state. Boise metro (Meridian, Nampa, Eagle) has been among the fastest-growing corridors in the country. Sustained migration and job growth anchor rental demand. Landlord-friendly law rounds it out.
Idaho has been among the fastest-growing states in the US by net domestic migration for years. Rental demand across Boise metro in particular stays deep.
Meridian and Nampa are among the fastest-growing cities in the country. Employment and population growth support long-term rental demand across the Treasure Valley.
Idaho statutes are landlord-friendly with predictable eviction timelines. Holding costs stay projectable across the state.
Whether you're closing a single-asset SFR in a smaller Idaho market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Meridian, Nampa, Caldwell, Eagle — fastest-growing corridor
Bonneville County — Eastern Idaho
Kootenai County — Northern Idaho + Spokane adjacencies
Twin Falls County — Magic Valley SFR
Bannock County — Idaho State University
Nez Perce County — Snake River corridor
Resort STR corridors (zoning-dependent)
Statewide coverage — send us any Idaho property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Idaho. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Idaho — Boise Metro, Idaho Falls, Coeur d'Alene, Twin Falls, Pocatello, and every other ID metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Idaho. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Idaho is a top-inflow state. Boise metro (Meridian, Nampa, Eagle) has been among the fastest-growing corridors in the country. Sustained migration and job growth anchor rental demand. Landlord-friendly law rounds it out.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Idaho investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Idaho metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.