The change in the housing sales system became apparent as the Ministry of Land, Infrastructure and Transport announced a road map for the post-housing system. There is a credit crunch when the system is implemented, which is feared to cause small and medium-sized construction companies to withdraw their assets from the market. It is time to look for alternative financing alternatives to replace existing financial institutions in order to prevent small and medium-sized construction firms, which are perceived to be leading the multimodal micro-generation trends centered on labor employment and consumer tastes. In this study, we examined the domestic status of crowdfunding and confirmed that debt-type crowdfunding could serve as an alternative to real estate financing. However, the domestic debt-type crowdfunding platform has found it urgent to take measures to protect investors and to ensure continued growth in the debt-type crowdfunding market, as there are problems of asymmetry between investors and borrowers. Thus, in this study, to strengthen the incentive for loan screening and monitoring, we present regulatory measures to minimize investors' losses on debt-type crowdfunding platforms and a microeconomic analysis of the regulatory measures presented in this study confirmed that incentives for monitoring would provide more opportunities for construction financing for small and medium-sized construction firms with less assets.