Builder Construction Loans, Smarter Growth, and Real Risk Advice with James Minarsich
Release Date: 05/13/2025
How a French Developer Rebuilt Miami’s Luxury Market - One Spec Home at a Time with Pascal Nicolai
Builder Straight Talk Podcast
How a French Developer Rebuilt Miami’s Luxury Market - One Spec Home at a Time with Pascal Nicolai Pascal shows up in Miami in 2008 with some cash from selling assets in France, right when everything's melting down. Most people would think that's terrible timing, but he saw it differently. "I said to my wife at the time, look, I think there is one opportunity to go there, it is now. I don't think we're going to see this kind of opportunity in our lives. The market was crashed, very accessible if you have some money." He didn't even know he'd end up in construction. His specialty...
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Are You Leaving Money on the Table? CRM for Builders with Shari Morton
Builder Straight Talk Podcast
CRMs aren't sexy. Understatement of the year! They're not the kind of thing you get excited to talk about at the jobsite. But here's the thing: if you're building homes and not using one, you're probably leaving serious money on the table. And we're not talking pocket change here. In this episode, Michael invited Shari Morton, founder and Chief Growth Officer of Shared Drive, to talk about something most builders would rather avoid: customer relationship management systems. We call it the "broccoli" of the building industry. Everyone knows it's good for you, but most people stay away from it...
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Build For Speed: America Needs Housing Now! with Scott Menard
Builder Straight Talk Podcast
Scott Menard has been in construction since he was 17 years old, starting as a laborer for KB Homes during summer breaks. Over nearly four decades, he's worked his way through purchasing, project management, land acquisition, and operations at some of the nation's most respected builders, including Ryland, Taylor Woodrow, and Shea Homes. Now he's the president of Homes Built for America, a company that didn't exist four years ago and is already the 14th largest builder in the San Francisco Bay Area. They're doing something many builders won't touch: focusing exclusively on first-time...
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How Two Brothers Survived the Housing Crisis and Scaled to 1,000+ Homes | Chris & Clif Poston
Builder Straight Talk Podcast
There's something rare about sitting down with two brothers who genuinely like working together. Chris and Clif Poston make running a homebuilding company that closes over 1,000 homes a year look almost easy, but their story is anything but. Clif: "Doing what we say we're going to do is really, really important. A foundation of our business. And we try to get that out to people in every aspect of the business, from our employees, to the marketing side, to the sales side, to dealing with our vendors, to dealing with the public when it comes to buying land and rezoning." The Poston brothers...
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Housing, Policy, and the Fight for Affordability with Jim Tobin
Builder Straight Talk Podcast
Jim Tobin never set out to spend 27 years at the National Association of Home Builders. He wanted to fly helicopters like his dad photographed at Sikorsky Aircraft. Then politics caught his attention, and he found himself on Capitol Hill in 1995, thinking he'd become a defense lobbyist selling guns and things that go boom. Instead, he landed at NAHB and discovered something better: an industry that builds shelter, creates wealth, and gives families a shot at the American dream. Now as President and CEO of NAHB, Jim spends his time doing something most association heads don't: actually visiting...
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Debunking the Modular Myth with Ken Semler
Builder Straight Talk Podcast
If you've ever driven past a construction site and wondered why we're still building houses the same way we did 50 years ago, this conversation is for you. Michael sits down with Ken Semler, President and CEO of Impresa Modular, who's spent the last 25 years trying to get people to understand what modular construction actually is. And no, it's not a double-wide trailer. That's the first misconception Ken tackles, and honestly, it's the one that's been holding the industry back for decades. Ken's journey into modular started almost by accident. He was flipping houses back in 2003 when his day...
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The $4 Million Bottleneck: Working ON Your Business, Not IN It with Glen Harris III
Builder Straight Talk Podcast
Glen Harris III was living the contractor's dream in 2016. His custom home building company was doing $4 million in revenue, clients were happy, and he was making good money. There was just one problem: he WAS the business. Every estimate, every decision, every five-minute phone call ran through him. He'd hit a ceiling and couldn't see how to break through it. This episode is about what happened next and why it matters if you're stuck in the same trap. What You'll Learn Why systems beat hustle when you want to scale. Glen breaks down the moment he realized working harder wasn't going to get...
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Start Small, Build Big: Lance Williams on 30 Years of Homebuilding, Risk, and 100% Completion Rate
Builder Straight Talk Podcast
In this conversation, Lance walks through what it actually takes to build a homebuilding business that lasts. He talks about why his first hire made the first project successful (because he knew what he didn't know), how to structure your first deal so you have enough margin to survive your mistakes, and why contingency planning isn't optional when unexpected costs show up. When Lance Williams started his homebuilding company in 1996, his equity partners were his wife, mother-in-law, and sister-in-law. Talk about pressure! He'd just been laid off during a market downturn, took a short...
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Builder Mindset to Business Mindset with Duane Johns of Alair Homes
Builder Straight Talk Podcast
Most builders hit a wall. They work 80-hour weeks, carry tools, manage crews, chase payments, and somehow still struggle to make ends meet. Sound familiar? That was Duane Johns twenty years ago, grinding it out in Charlotte, North Carolina after moving from the Hamptons. Then 2008 hit. While other builders went under, Duane used the crisis as a mirror. "I think that that too, one thing that happened in that 2008 environment, especially the few years after, was everyone got reduced to a commodity, you know, I mean, the builders or modelers, they had the lower hand, no doubt." The...
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Scaling a Construction Business: From College Dropout to $100M+ Builder
Builder Straight Talk Podcast
Starting a construction company during the 2008 recession sounds insane, but sometimes desperation breeds the best business decisions. Matt Millsap's story starts like a lot of ours do - working weekends with dad, thinking he was going to hang out with friends but ending up tearing out bathrooms instead. What makes his story different is where it goes from there. After flunking out of college, Matt found himself cutting grass for a builder who saw something in the kid. That builder, Mark, became the mentor who taught him everything. It was old-school apprenticeship at its finest, and Matt...
info_outlineBuilder construction loans are the fuel behind most successful projects—but only if they’re built right. James Minarsich has made it his business to deliver funding that moves at the speed of builders—not banks.
As Senior VP of Construction Lending at Sound Capital, James oversees a team that works exclusively with professional home builders, helping them scale with fast, flexible financing. He understands the real risks builders face: funding gaps, market timing, unexpected delays—and how to solve for them without killing your cash flow or drowning in red tape.
On this episode of Builder Straight Talk, James gets real about how smart builders use construction loans not just to finish projects—but to grow businesses.
“We’re not here to slow you down. We’re here to give you control.”
James breaks down the difference between traditional financing and builder-focused lending, explaining how Sound Capital structures draw schedules, underwrites deals based on real builder capacity, and prioritizes speed and relationship over paperwork.
He dives into:
- How builder construction loans differ from consumer loans
- What lenders really look for when reviewing your pipeline
- How to use funding as a growth tool—not a panic button
- Common mistakes builders make when borrowing
- How to protect margin without overleveraging
“Cash is your oxygen in this business. If you can’t breathe, you can’t build.”
One of the most valuable takeaways? James explains how builder construction loans should scale with you, not against you. He offers a strategic look at how to phase capital across multiple projects, manage draws responsibly, and reduce stress through proactive planning.
Whether you’re a spec builder, custom operator, or mid-size developer juggling multiple builds, this episode brings clarity to the numbers—and the strategy behind them.
James also touches on what makes a builder “bankable,” how to set yourself up for long-term financial partnerships, and how Sound Capital approaches deals with a builder’s mindset, not a banker’s checklist.
“We’re not in the business of saying no. We’re in the business of helping builders win.”
If you’re looking to grow without losing control, fund projects faster, or finally build a reliable capital partner—this is required listening.
Watch the full episode on YouTube or listen here or on your favorite podcast platform.
About James Minarsich
James Minarsich is Senior Vice President of Construction Lending at Sound Capital Loans, LLC. With a focus on enabling builders to scale efficiently, James leads lending strategies that prioritize speed, precision, and builder-centric financial solutions. He works directly with clients to structure flexible draw schedules, manage risk, and keep projects on track—helping builders grow with confidence and control.
To learn more about James and construction lending for builders, visit soundcapital.com.
About Michael Krisa
Michael Krisa is the host of Builder Straight Talk, where real builders share real business strategies—no fluff, no suits. With a background in real estate investing and digital strategy, Michael helps builders simplify operations, secure funding, and scale smarter through honest, practical conversations that get to the point. Learn more at BuilderStraightTalk.com.