es. When you submit a development-ready property, you represent the seller on the listing side and can represent Wexmoor Circle as the buyer’s agent on the purchase side. Two sides, two commissions, one transaction.
Never. Agents are our deal flow partners. We don’t source properties independently — we rely on agent relationships to bring us the right assets. You stay in the deal from submission to close.
Teardowns, ADU candidates, underutilized lots, small multifamily with redevelopment potential, and off-market properties with clear development upside in California markets.
We review every deal within 24 hours of submission. If it qualifies, Irakli will be on a call with you within one business day to confirm terms and next steps.
You don’t refer — you represent. You are the licensed agent on the transaction. There is no referral fee structure here. You earn your commission through the MLS and purchase agreement, which keeps you fully within your broker’s guidelines.
It means we evaluate your deal based on the property — the lot, the improvements, the location, and the upside — not your tax returns or W2. If the asset makes sense, we find a way to structure around it.
No — but we work with LLCs, sole proprietors, and individuals. If you hold properties in an LLC, we can structure around it. Entity type is not a disqualifier.
Yes. If you own land outright or have equity in it, that is one of the strongest qualifying positions for a one-time-close construction loan. We use the land value as part of the asset structure.
Hard money is short-term, high-rate bridge financing. Our one-time-close construction loans convert to permanent financing at the end of the build — one closing, no refinance, no balloon payment. The rate structure and timeline are fundamentally different.
Possibly. Tell us why the bank said no. Most conventional declines come from income documentation, property condition, or entity structure — all of which we can often work around with asset-first underwriting. Submit your deal and we will tell you within 24 hours if there is a path forward.
Yes — through our owner-builder construction loan program. California law allows licensed owner-builders to self-manage their build. We provide professional engineer supervision to satisfy lender requirements so you stay in control without hiring a GC.
A professional engineer oversees your project at key construction milestones and signs off on the work. You hire your own licensed and unlicensed trades and manage the timeline. PE supervision satisfies the lender’s oversight requirement — without taking control of your build away from you.
It is a single loan that covers both the construction phase and the permanent mortgage. You close once, draw funds as the build progresses, and convert to a standard mortgage when construction is complete. No second closing, no refinance risk.
Not necessarily. If you have land under contract, we can include it in the loan structure. If you already own the land free and clear, that equity can serve as part or all of your down payment on the construction loan.
Funds are released in stages tied to construction milestones — foundation, framing, rough mechanicals, drywall, and completion. Each draw is verified before funds are released. You use the draws to pay your subs and suppliers as the build progresses.
We step in as the financing and design resource — you stay as the builder. We never communicate directly with your client about the construction scope or your contract. Our role is to get the project funded so you can build it.
We provide project design coordination and supply chain access — helping reduce material costs and eliminate the gaps between design intent and buildable scope. You stay focused on the build. We handle what slows you down before it starts.
No. Our design coordination is pre-construction — we help your client arrive at the job site with plans that are buildable and budgeted correctly. Once you break ground, you run the project your way.
You don’t refer — you partner. Introduce us as your financing resource. We qualify the client, structure the loan, and keep you as the contractor of record on the project. Your client relationship stays intact.
That is exactly the scenario we prevent. We qualify financing before the project starts — not during construction. If we approve the loan, the draw schedule is set and the funds are committed before you break ground.
Get the answers you need to move your project forward. Our team specializes in complex California developments that others turn down. Send us your deal info today, and let’s find the right financing structure to get your build started.
