Fix and flip loans
Short-term financing to buy, renovate and resell an investment property.
Investors · Harmony Hard Money
Construction loans in Las Vegas
Ready to develop your next property? We understand the challenges and opportunities that come with construction projects.
Business-purpose loans for real estate investors only. Subject to approval and program guidelines.
Who it’s for
Who our construction loans are for
Ground-up construction loans are part of Harmony Hard Money, our private money program for real estate investors.
Investors building to sell
New builds with a clear plan to sell when they’re finished.
Investors building to rent
Build, then refinance into a long-term rental loan.
Land and development projects
Construction and land development are among the projects we look at.
Projects with a real exit
You’ll need a clear path to repay once the project is complete.
How it works
From lot to project start
Gain access to the capital you need to move forward with your project.
Find
Find your property and submit the property information.
Apply
Narrow down your loan options and apply online. Online upload is available.
Review
We review it quickly and begin underwriting so we can quote loan terms.
Get funds
Once you accept the terms, we schedule the closing.
Start project
Once the loan is finalized, you can begin your project.
What we look at
What makes a project a fit
Approval is driven mainly by the property and the numbers behind your plan.
Your project
- Strong collateral: the property and its value potential.
- A plan that makes financial sense: the build budget and timeline.
- A real exit strategy: sell, refinance or stabilize.
Program details
- 1st lien position loans for non-owner-occupied properties
- 2nd lien position business-purpose loans on all property types
- No prepayment penalty
How Harmony helps
Four clear steps with one team
We review the lot, the plans and your exit with you, then structure financing around the build.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
Learn
Construction financing, explained
Articles from our learning center, written by Ian Duboe.
What is a ground-up construction loan?
Financing to build a new project from the ground up, rather than to buy or renovate an existing property.
Who are these loans for?
Real estate investors and developers. They’re business-purpose loans offered through Harmony Hard Money.
What do you look at?
Mainly the property, its value potential, the plan behind it and your exit strategy.
Can I refinance when the build is done?
Yes, refinancing once the project is complete or the property stabilizes is a common exit, for example into a DSCR rental loan.
What happens if I can’t repay the loan?
The property is the security, so if you default the lender can take possession. Always have a real exit plan.
Ready to build your next project?
Answer four quick questions. Private / hard money is already filled in.
Business-purpose loans for real estate investors only. Subject to approval and program guidelines.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.