Speculative Financing Loans are designed for those looking to build a residence or residences that will not be Owner Occupied. They can be built with the intention of selling or renting them out. In some ways, it is actually easier to qualify for a spec loan than it is for an Owner Occupied loan. The main reason for this is that the lender will be looking at the property (either its sale or income from its rent) as the primary source of repayment rather than being concerned about your debt to income ratio, or the percentage of a consumer’s monthly gross income that is dedicated towards paying debt. Since there is a lower risk, it may be easier to obtain a loan.

If you are a real estate investor who plans to build property in San Diego or Temecula and sell or rent it for profit, our experts will help you determine the right solution for you. We specialize in unique loans, so we can help get you through the process easily and stress-free.


While it is easier to qualify from an income standpoint, lenders generally will require a greater investment than for an owner/occupied project meaning you will need to put down a higher down payment than a traditional buyer would.

If you will be applying for a Spec Loan, a marketing analysis for sales or a rental analysis will be most helpful in ensuring that your loan is processed and funded as quickly as possible. We will walk you through every step of the way and help you get rates and terms that are favorable. Give us a call today or fill out our Quick Quote form on the right and we'll be in touch to go over your project and explore all of your options.