Ground-Up Construction

Land acquisition plus vertical construction financing. For builders with at least one completed project in the last 36 months breaking ground on 1–4 unit and small multifamily projects.

Program Highlights

WHAT'S INCLUDED IN THIS PROGRAM

✓Up to 85% of land + construction cost (LTC)
✓Up to 70% of after-construction value (ARV)
✓Draw-based funding schedule
✓Monthly or milestone draw inspections
✓Minimum 1 project in last 36 months required
✓Interest reserve options
✓12–18 month terms with extensions
✓Refi to DSCR at completion

How It Works

FROM APPLICATION TO CLOSE

Submit Plans & Budget

Site address, land cost, construction budget, projected ARV.

Builder Review

We review GC experience, plans, and pro forma.

Funding & First Draw

Close on land + initial draw simultaneously.

Monthly Draws to Completion

Inspector signs off each phase. Funds released within days.

Questions

FREQUENTLY ASKED

Borrowers must have completed at least one ground-up project within the past 36 months. If you lack recent experience, partnering with a licensed general contractor who has a verifiable track record can strengthen your application and improve your approval chances.

A licensed General Contractor is required for most ground-up projects. Owner-builders can qualify with strong experience.

Draws are released on a monthly or milestone basis after an inspector signs off on completed work.

Yes — most clients refi into a DSCR loan once the property is rent-ready.

Yes. An interest reserve can be built into the loan so you don't make payments out of pocket during construction.

Not Sure?

Call us — we'll talk through your deal in 10 minutes and tell you if it fits this program. (469) 956-9477