In this market the single hardest type of loan to get financing for is a Construction Loan. Due to the risk capital lenders have to assign to construction loans, most lenders have determined that construction financing is just not profitable in this market or is too high risk for their already struggling balance sheet. Speculative deals for investment real estate just are not getting done at all in this market unless the loan to value is ridiculously low and the Borrower(s) is very strong. However, pre-leased properties are getting done under the right circumstances, as are well-supported by market demand apartment buildings or other leased property types. Lending sources available include traditional banks, private lenders and hard money lenders.