A process for funding construction or conversion of multi-unit real estate projects with a project loan credit enhanced by commitments to purchase individual units at discount prices with unit purchases requiring re-purchase contracts to give developer opportunity to profit from retail unit re-sales, comprising steps of obtaining unit purchase commitments with re-purchase contracts prior to construction start to guaranty project loan pay-off on completion, paying-off project loan upon completion from closing unit sale commitments, and re-selling those units at retail. This process eliminates risks of developer' s loss and project loan foreclosure after construction completion and spreads those risks to one buyer per unit. Developers can more readily get 100% project loans, better provide unit loans and earlier closing to retail unit buyers, and thus build more projects not now fundable with project lender restrictions.