Single-family, modular, manufactured (primary & second home), and 2–4 unit investment properties — primary, second home, and investment occupancy eligible.
Eligible Properties for Interim Construction Loans | The 2 Mortgage Guys
Single-family, modular, manufactured (primary & second home), and 2–4 unit investment properties — primary, second home, and investment occupancy eligible.
What Types of Properties Are Eligible for an Interim Construction Loan?
Property Type and Occupancy — Both Matter
At a Glance
Eligible Property Types
Eligible Occupancy
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Frequently Asked Questions
Not Sure If Your Property Qualifies?
Eligible property types include single-family homes, modular homes, manufactured homes (for primary and second homes), and eligible 2–4 unit investment properties. The program is available for primary residences, second homes, and investment properties.
The Luminate Bank Interim Renovation Loan supports a practical range of residential property types while covering primary, second-home, and investment occupancy. That combination is what makes the product useful for both homeowners renovating in place and investors running large rehabs or flips.
Before you write an offer or schedule a contractor, confirm the property type, occupancy, and renovation scope meet matrix guidelines — especially for manufactured homes and multi-unit investments, which often need earlier underwriting review.
Ryan and Steve help you clear property eligibility alongside credit, LTV, and draw logistics so you do not discover a deal-breaker mid-underwriting.
Confirm the structure type early — especially manufactured and multi-unit deals.
Related Luminate Bank Interim Renovation Loan guides and renovation programs to compare before you apply.
Ryan & Steve will confirm property type, occupancy, and renovation scope against Luminate Bank Interim Renovation Loan guidelines.
All loans are subject to credit and property approval. Luminate Bank Interim Renovation Loan program guidelines, LTV limits, loan amounts, and pricing are subject to change without notice and may not be available in all areas. This is not an offer to enter into an agreement. Information is for educational purposes only and is not a commitment to lend.