Ground-Up Construction Loans: Build From the Ground Up

Comprehensive financing from land acquisition to project completion.

Who Benefits from Ground-Up Construction Loans?

Solutions designed for experienced builders and developers.

Our ground-up construction loans are tailored for experienced builders looking to develop residential projects. They cover both land acquisition and construction costs, allowing you to execute projects efficiently and profitably.

Experienced builders:

Proven track record in construction projects.

Residential developments:

Single-family homes or small multifamily projects.

Portfolio expansion:

Agile capital for strategic decisions.

Key Features of Ground-Up Construction Loans”

Financing designed for successful projects from the start.

With flexible financing options and competitive rates, our ground-up construction loans are designed to support builders at every stage, from land acquisition to project completion

  • Property Types: 1-4 Units (5 units and above on case-by-case basis).
  • Max. Loan to cost: Up to 85% of purchase price.
  • Term: Up to 18 months + 6 months extension.
  • Max. Loan to ARV: Up to 75%.
  • Interest Rate: Starting at 8.75% (interest-only payments).

Apply for Your Construction Loan Today






    Requirements for your application

    Learn about the criteria needed to apply.

    •  Experience on 3 previous projects (constructions & rehab)
    • 3 months of bank statements
    • ID, passport, (US visa for foreign nationals)
    • Entity Documents (LLC or Corp), EIN & OP Agreement
    • Rehab budget (if applicable)
    • 6 months liquidity/reserves
    • Non-owner occupancy certification
    • SSN for credit report and background check
    • Evidence of insurance (full replacement + 500K liability) & builder’s risk insurance (if applicable)
    • Minimum Fico score of 700
    • Signed loan application

    FAQs:

    Frequently Asked Questions About Ground-Up Construction Loans

    No, this loan includes both land acquisition and construction costs.

    Refinancing into a DSCR loan is an option.

    Extensions of up to 6 months are available.

    No, loans can be paid off early without penalties.