Ground-Up Construction
Staged construction financing for spec builds and investor-driven development projects. Structured around real-world builder timelines and milestone-based draw schedules.
Ground-Up Construction Loans
Financing for new residential construction. Designed for experienced developers, our Ground-Up Construction loans fund the entire building process from land acquisition to vertical construction. We partner with you to bring new properties to market, offering draw-based funding aligned with project milestones.
Key Features
85-90% Loan-to-Total-Cost (including land); 65-70% ARV cap
100% of construction cost; up to 60% of lot purchase
Purchase, rate/term, and cash-out refinance
Property types: single family, townhome, duplex, triplex, quadplex
Above $1.5MM by committee approval (no hard ceiling)
Rates 8.99% - 10.99%, 680+ credit minimum, $250K-$5M typical
Liquidity: 10% of construction budget + 6 months of payments
Builder experience can offset borrower credit/liquidity (with completion guarantee)
(higher limits available upon request)
Qualification Requirements
Contact us for detailed qualification requirements for the Ground-Up Construction Loans program.
Program Overview
Rate Range
Rates 8.99% - 10.99%
Max LTV
90%
Terms
12 mo
18 mo
24 mo
Related Programs
Ready to Build?
72-hour draw funding after inspection. Pre-qualification in 24 hours.