LA fire rebuilds · Pacific Palisades

Pacific Palisades rebuild construction loans.

Lot acquisition and construction for builders rebuilding in the Palisades after the Palisades Fire. $1MM–$20MM.

We follow the rebuild rules that affect your project, so you can plan around what's possible next.

Request a Term Sheet Construction loan terms

Up to 80%

of total project costs

Interest only on what's drawn

non-Dutch draws

2–3 days

draws funded after a complete package

We see it often

Rebuilding is different from building.

Few recent sales to compare.

Since the fire, comparable sales are thin, so many lenders can't support the value. We look at the build, the location and your plan.

Buying a lot, not a house.

Most loan programs are built around a house. We finance the lot and the build.

One loan, lot to finished home.

Loan proceeds can be used for the lot acquisition, with a construction holdback drawn as you build.

$1MM–$20MM

Loan size

Material advances

Paid for materials you've ordered? We reimburse up to 50% of the cost, with proof of payment.

Limited guarantee

With bad-boy carve-outs available

Land loans

Buying the lot before plans are ready? Up to 55% of value, entitled land. See land loans →

A closed LA rebuild

Closed where other lenders hesitated.

A builder buying a fire lot, with a tight deadline and a short new-construction track record.

See all closed deals →

LA fire rebuild

closed in 10 days, with the lot acquisition covered

GROUND-UP · $1.8MM ARV · SFR · ALTADENA, CA

The challenge

Most lenders were avoiding LA fire rebuilds because of market uncertainty. The borrower also had a limited new-construction track record and a 10-day closing deadline.

What we did

Credited the borrower's experience as a general contractor. Researched and documented the existing entitlements so loan proceeds covered the lot acquisition, with a construction holdback for the build. Closed on time.

Questions

Rebuild questions.

Which areas do you finance?

Fire-affected areas across Los Angeles County, including Altadena, Malibu and the Pacific Palisades. Send us the address.

Why are you comfortable with rebuilds when other lenders aren't?

Kyle has walked sites in these areas since 2025 and keeps tracking rebuild progress. We underwrite the lot, the build and your plan, and look beyond recent sales.

How a loan works

  1. 1Send the projectThe address, what you want to build and your budget.
  2. 2Talk it throughWe go over your plan and the options with you.
  3. 3Get a term sheetClear terms built around your plan.
  4. 4Close and buildClose on a timeline that fits your strategy. Draws funded in 2–3 business days.

Send us the project. We'll show you how we can support your vision.

Share the address and what you're planning.

Request a Term Sheet