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Real Estate Investors
From dirt to done. Financing for new builds.
Ground-up construction loans fund new residential and commercial projects for builders and investors, with construction funds released in draws as the build progresses.
How it works
Funded milestone by milestone
Share the project
Plans, budget, timeline, permit status and your builder.
Underwriting
The lender reviews the project, the as-completed value and your experience.
Build
Funds at closing, then milestone draws as inspections confirm progress.
Is it a fit?
For builders and investors breaking ground
Good fit if
- Spec homes and infill lots
- Townhome and small multifamily projects
- Builders with a track record or a strong general contractor
- Plans and permits approved or close
What you will need
- Government-issued photo ID
- Plans, budget and construction timeline
- Permits or permit status
- Builder or general contractor information
- Land purchase contract or deed
- Track record of completed projects
- Last 2 months of bank statements for reserves
Send documents as PDFs. Your funding specialist will tell you if anything else is needed.
Common uses
Get Your Quote
Get terms on your deal
Share the basics. We match the deal to the right program and lender and come back with terms.
- Business-purpose investment property only
- Close in your LLC
- Clear terms before you commit
Questions
Ground-Up Construction questions
Do you finance the land?
Some programs include land acquisition, and others require you to own the land. Equity in the land can count toward your contribution.
How do construction draws work?
You complete a milestone, an inspector verifies the work, and the lender releases the funds for that stage.
Do I need construction experience?
Experience matters most in construction lending. Newer builders can strengthen a file with an experienced general contractor.
What happens when the build is done?
Sell the property, or refinance into a long-term loan such as DSCR if you keep it as a rental.
Related programs
Other ways to fund
Fix & Flip Loans
Purchase plus renovation funding sized to the after-repair value, with rehab draws as the work gets done.
Learn more →DSCR Rental Loans
Buy or refinance rentals based on the property's cash flow instead of your personal income.
Learn more →Commercial Real Estate
Multifamily, mixed-use, retail, office and industrial, matched to the right lender for the asset.
Learn more →Ready to move your business forward?
Apply today and get a decision fast. A real answer when you call, and clear terms before you sign.