How Can I Afford
to Rebuild?
Most homeowners come to us with a burned lot, an open insurance claim, and no clear path forward. We've built 9 different financing programs to cover every situation.
9 Programs
Every situation covered
$0
To explore your options
1 Call
Know your path
< 12 Months
Start to keys
You shouldn't need a financial advisor, an insurance attorney, a contractor, and a bank all at once. StackHaus collapses everything into one team, one contract, and one clear answer:
We'll find a way to get you into your new home.
Construction-to-Permanent Loan
One loan · One closing · Converts automatically at move-in
- Single loan closes at project start — no second closing ever
- Funds released on draw schedule tied to verified milestones
- Automatically converts to a 30-year mortgage when you move in
- Pre-approved lender network specifically for disaster rebuilds
- Faster underwriting because StackHaus provides fixed-price plans & specs
Construction-to-Permanent Loan
One loan · One closing
Loan closes
Day 1 — before construction starts
Draw releases
Tied to verified milestones
Second closing
Not required
Converts to mortgage
Automatically at move-in
StackHaus pre-approved lender network
Faster underwriting with our fixed-price contract
Insurance Proceeds Advance Program
Your claim is coming — don't wait years to rebuild
- Advance funding secured against your documented insurance claim
- Construction starts immediately — not after claim settlement
- Eliminates the #1 post-disaster delay: waiting for insurance
- StackHaus engineers provide carrier-grade documentation to accelerate your claim
- Bridge period typically 6–18 months until claim fully settles
Insurance Advance Program
Build now — don't wait for settlement
Without StackHaus
Wait 12–36 months for claim to settle before building
With StackHaus
Advance secured against your documented claim — build immediately
Timeline Comparison
"Build Now, Settle Later" Bridge Financing
Secured against your land equity while your claim negotiates
- Secured against burned lot equity — often $1M–$5M in LA markets
- 12–24 month bridge term aligned to your claim resolution timeline
- Ideal for disputed, complex, or underinsured claims
- Construction begins while insurance negotiations continue in parallel
- Refinance into a permanent loan once your claim settles
Bridge Financing Example
Secured against your land equity
Claim continues negotiating in parallel — no lost time
Equity-Based Rebuild Program
You have the lot. We fund the build. You get your home.
- Homeowner contributes lot equity — StackHaus funds construction
- Structured as profit participation or fixed repayment at refinance or sale
- No large cash deposit required to begin construction
- Designed for owners whose insurance fell far short of actual rebuild cost
- Unlocks stalled rebuilds that traditional lenders decline
Equity-Based Rebuild
Land rich · Cash poor · Still rebuilds
You contribute
Land equity
$1.5M lot
StackHaus funds
Construction
$450K build
You get your home built
Repaid at refinance, sale, or structured over time
Unlocks stalled rebuilds that traditional lenders decline
Deferred Payment Program
Build now. Pay at refinance, sale, or insurance settlement.
- Minimal upfront cash required to start construction
- No monthly payments during the build phase
- Balance due at refinance, property sale, or insurance settlement
- Transparent interest schedule provided upfront — no surprises
- Works well for estate properties and older homeowners awaiting large payouts
Deferred Payment Program
Build now — pay when you're ready
Today
Small deposit to start
During Build
No monthly payments required
At CO
Construction complete · keys in hand
Balance Due
Refinance, sale, or insurance settlement
Insurance Premium Reduction Financing
Your concrete home costs less to insure — permanently
- Concrete ICF construction qualifies for 15–35% lower homeowner's insurance
- 4-hour fire rating vs. 1-hour for wood frame — carriers reward this significantly
- Annual insurance savings of $3,000–$12,000 offset your loan payment
- We present net effective payment (loan minus insurance savings) in your proposal
- StackHaus connects you with insurance brokers who specialize in resilient construction
Insurance Savings Analysis
Your payment may cost less than you think
Wood Frame
$18,400
per year insurance
StackHaus ICF
$11,200
per year insurance
Annual savings: $7,200
= ~$600/mo offsetting your loan payment
4-hour fire rating vs. 1-hour for wood
Non-combustible concrete structure
Carriers reward resilient construction
StackHaus Recovery Fund
Private capital deployed specifically for disaster rebuilds
- Capital pool structured specifically for disaster recovery situations
- More flexible underwriting than traditional bank products
- Faster closings — weeks, not months
- Combines construction and financing under one StackHaus contract
- Available for qualified borrowers who don't fit traditional bank profiles
$12M
Investor Capital
18 days
Avg. Close Time
7
Active Projects
Approved faster than banks
Flexible underwriting for disaster situations
No traditional credit profile required
Combined construction + financing in one contract
Land + Build Acquisition Program
We buy your lot and build together — for owners who need options
- StackHaus acquires your lot at fair market value — immediate liquidity
- Joint venture structure for the rebuild
- Homeowner retains right to buy back at predetermined terms
- Shared appreciation model — both parties benefit from completed home value
- Seller carry and structured payout options available
Land + Build Program
Can't afford to rebuild alone? Options exist.
We buy your lot
At fair market value — immediate liquidity
Joint venture build
We build together, share in the upside
Seller carry structure
Flexible repayment over time
Shared appreciation
Both parties benefit from completed value
Subscription Homeownership Model
One monthly payment. Everything included. Forever.
- Single monthly payment replaces mortgage + insurance + maintenance + warranty
- Home, monitoring, resilience systems, and 30-year warranty bundled
- Aligned with the StackHaus 'Recovery as a Service' platform vision
- Designed for the next generation of homeownership in high-risk zones
- Pilot program available for select projects — contact us to inquire
One Monthly Payment
Everything included
Pilot program — contact to inquire
The Bigger Picture
Recovery as a Service
Come to us with a burned lot and an open claim. Leave with everything.
Financing
Coordinated through our lender network
Design + Permits
Plans, renderings, and all permitting handled
Insurance Advocacy
We document and negotiate your claim
Fixed-Price Build
One price, no overruns, concrete construction
Warranty Coverage
30-year structural + 1-year workmanship
Ongoing Support
Portal access, milestone tracking, PM on call
Common Questions
Do I need perfect credit to qualify?
Not necessarily. Several of our programs — including the equity-based rebuild and recovery fund — are designed specifically for homeowners who don't fit traditional bank credit profiles. We evaluate your full situation, not just your FICO score.
My insurance claim is still open. Can I still start?
Yes — this is exactly what the Insurance Advance and Bridge Financing programs are built for. We advance against your documented claim and start construction now. You don't lose 18 months waiting for a settlement.
How much do I need upfront?
It depends on the program. Some require only a small deposit. The construction-to-permanent loan typically requires a 10–20% down payment. The deferred program can start with minimal cash. We'll show you all options side by side in your free financing assessment.
Is StackHaus a lender?
No — StackHaus is not a lender. We coordinate financing through our pre-approved lender network and in some cases through our Recovery Fund structure. We guide you through the entire process.
What if I've already been declined by a bank?
That happens often in disaster situations — traditional banks struggle with burned or damaged properties. Our specialty lender network and the Recovery Fund exist specifically for these cases. Contact us before giving up.
Find Your Path
Free financing assessment.
No commitment.
Tell us your situation — burned lot, open claim, budget — and we'll show you exactly which programs apply and what your path to keys looks like.
Not a lender · Financing coordinated through StackHaus lender network · Subject to qualification