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A standard construction loan finances the build, then requires you to find separate permanent financing at completion — re-qualifying with a new lender from scratch. A construction-to-DSCR bridge is a single, continuous facility covering both phases. The permanent DSCR exit is underwritten at the start, so when the project completes and stabilizes, the same team executes the permanent loan on pre-modeled terms. No new application. No re-qualification.

Ground-up ADU (accessory dwelling unit), 5–20 unit multifamily new construction, mixed-use (commercial + residential), and significant SFR conversions or additions. The common requirement is a planned investment property exit with a stabilized rental income stream that will qualify for DSCR permanent financing at completion.

No. You may use your own licensed general contractor. However, the GC must be licensed (CSLB), insured, and approved before the construction facility closes. If you choose to use Wexmoor’s Build program, our licensed GC (CSLB #1067782) provides on-site oversight, milestone management, and draw coordination — which is especially valuable for investors who aren’t hands-on in the construction phase.

Draws are tied to verified construction milestones: foundation complete, framing complete, MEP rough-in, drywall and insulation, and final completion. Each draw requires an inspection sign-off confirming the milestone before funds are disbursed. This structure protects against cost overruns and ensures the project advances in an orderly sequence matched to the construction budget.

Most projects are structured at 70–75% LTC on the construction facility. The specific LTC depends on project type, sponsor experience, and the strength of the permanent DSCR exit underwriting. Bring your full project budget, site information, and construction timeline when you submit the intake form so we can model your specific situation accurately.

No new application. Because we underwrite the permanent DSCR exit at the beginning of the project, the same team executes on pre-modeled terms when the property completes and stabilizes. You’ll need to provide signed lease documentation and a final inspection confirming completion, but there’s no starting the qualification process over. The exit was part of the deal from day one.

Timelines vary significantly by project type. ADU garage conversions: 3–6 months. Ground-up ADU: 6–9 months. 5–10 unit multifamily: 12–18 months. Larger multifamily projects may run 18–24 months. We review the GC’s construction schedule at pre-construction underwriting and structure the facility term accordingly.

Yes. Entity-vesting is available from construction through the permanent DSCR exit. Most investors structure the project in an LLC from the start for liability separation, entity-level financing, and cleaner tax treatment. We work with your attorney and CPA to make sure the entity structure is correct before the facility closes — changing entity structure mid-project creates unnecessary complexity.

LoopLine is Wexmoor Circle’s just-in-time construction supply chain. It’s designed for active California construction projects — ADU, multifamily, and mixed-use builds — where material procurement, delivery timing, and design spec compliance are high-stakes. LoopLine handles procurement, containerization by installation phase, and direct job-site delivery so your team can focus on the build, not vendor management.

No. LoopLine is available as a standalone supply chain service for any active construction project in California, regardless of who is financing the build. That said, LoopLine integrates most tightly with Wexmoor’s construction bridge financing — where procurement timing is directly tied to the draw schedule and milestone inspections, creating a seamless materials-to-draws workflow.

LoopLine covers the full residential and light commercial material stack: structural lumber and framing, MEP rough materials (conduit, pipe, wire), insulation, sheathing, windows and doors, interior finishes (flooring, tile, cabinetry, plumbing fixtures), and exterior cladding. Highly specialized or custom-fabricated equipment requiring factory-direct ordering is evaluated case-by-case. Submit your material schedule and we’ll confirm coverage before onboarding.

Standard commodity materials (lumber, drywall, insulation) typically require 2–4 weeks from order to delivery. Specialty finishes, imported tile, and custom-sized windows may require 6–12 weeks. Submit your full material schedule as early as possible so we can flag long-lead items and build them into the delivery plan before they create build delays. Long-lead identification is one of the highest-value things we do upfront.

We flag the issue before it becomes a field problem and present approved alternatives within the same finish family or spec category. No substitution is made without your written approval. If an alternative requires a lead-time adjustment, we build that into the delivery schedule proactively — you’re never surprised at the job site by a wrong material or a missing delivery.

You need an active permitted construction project and a clear design specification, but you don’t need to use any particular GC. LoopLine is a supply chain service — we procure and deliver, not manage labor. You’ll need a licensed GC to accept deliveries and sign off on materials on site. If you need GC support, ask about Wexmoor’s Build program with our licensed contractor (CSLB #1067782).

LoopLine actively serves projects across Los Angeles metro (including the Valley, South Bay, and Eastside), San Diego, Orange County, the Bay Area, and Sacramento. Projects outside these metro areas are evaluated on a case-by-case basis based on delivery logistics and site accessibility. Submit your project location and we’ll confirm coverage before onboarding.

LoopLine is optimized for projects with a total material budget of $50,000 or more. Below this threshold, the full containerization and logistics model may not be cost-effective relative to direct vendor sourcing. If your project is smaller, reach out anyway — we’ll evaluate what’s practical based on your location, timeline, and material categories before declining to onboard.

Wexmoor Circle is a California-based real estate investment platform built for investors who generate wealth through assets, not W-2s. We operate three integrated services: Finance — DSCR lending across 6 programs and 30+ wholesale lenders; Build — construction-to-DSCR bridge programs with licensed GC oversight; and Supply — LoopLine, our just-in-time construction material procurement and delivery service. The goal is to serve every stage of the investment cycle from one connected platform.

Our primary market is California for all three service lines (Finance, Build, and Supply). Irakli Ezugbaia holds a California Department of Real Estate license (CA DRE #02271654) and NMLS #2728634. Our wholesale lender network covers properties across California, with select lenders available for investment properties in additional states. Submit your deal and we’ll confirm whether your location qualifies under our current lender network.

Julia Rhodes is Wexmoor’s AI-powered loan processor and first point of contact, available 24/7. She answers program questions, helps you understand which product fits your scenario, and can schedule a 30-minute deal review call with the lending team. JULIA is not a licensed loan officer and does not make credit decisions — she routes your inquiry to the right place and keeps the process moving until a human takes over.

Three ways: (1) Complete the intake form on any product page or the contact page — select your service type on the first screen and the form routes your deal to the right team. (2) Book a 30-minute call directly via our scheduling link — no prep required, just bring your property address and deal structure. (3) Email us at ie@wexmoorcircle.com with your scenario. We respond to every inquiry within one business day.

No. There is no fee for a deal review, an initial call, or a program consultation. We review your deal, assess the program fit, and give you a clear picture of what’s possible before any commitment is made. Fees are associated only with specific services and are disclosed clearly before engagement — no surprises.

Our primary focus is California. DSCR wholesale lenders in our network primarily cover California investment properties, though select lenders extend to other states for standard DSCR. The Build program (construction bridge) and LoopLine (supply chain) are California-only at this time. If you have an out-of-state investment property, reach out and we’ll tell you honestly what’s available through our current network.