Ground Up Construction Loans

Build New Residential Assets

Finance new single-family, duplex, triplex, or fourplex construction with funding covering up to 90% of total project costs. Whether you’re building a spec home or a long-term rental, this program offers fast closings, competitive rates, and flexible terms—giving experienced investors and builders the capital to bring projects to market efficiently.

  • Ideal for Building new residential/mixed use properties

  • 1 - 4 Unit, non-owner occupied

  • Loan Amounts from $75K - $5M+
    (larger loans allowed at lender discretion)

  • Minimum FICO 660

  • Loan term from 12 to 18-months

Terms

Term
12 months standard
18-month option case-by-case

Construction Financing
Up to 100% of rehab budget

Maximum LTC (% of Purchase Price)
Up to 75% of the lower of land value or purchase price/65% if unpermitted, plus 100% of construction
Up to 90% LTC with financing interest reserve
Up to 85% LTC without financing interest reserve
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

Maximum Loan-to-After-Repair Value (LTARV)
Up to 70%

Min Exit DSCR

1.00% DSCR with refinance exit

Loan Amount
$75K - $5M+

Property Types (Non-Owner Occupied)

Single Family Residence

2-4 unit properties

Townhomes

Warrantable Condos
Planned Unit Development (PUD)

Property Condition

C2 or better

Collateral Restrictions

Property value within 90th percentile of market

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