Ground-Up Construction
Construction financing for builders and investors creating new residential and mixed-use buildings from the ground up.
- Use: New Construction from Foundation Through Completion
- Exit: Sale or Refi and Hold — DSCR Loans & Permanent Financing
- Eligible Properties: 1–10 Units, Mixed Use, Spec Homes
Building a larger multifamily, commercial, hospitality, or special-use project? See our Commercial Bridge Loans & Permanent Financing options.
Land Equity Can Count as Cash
In many cases, existing equity in the land can be credited toward your required cash contribution — reducing out-of-pocket capital while strengthening leverage.
Construction Loans for Real Estate Investors
Ground-up construction loans finance the creation of a new building, with construction funds advanced in draws as work is completed. The structure is built around the land, the construction budget, the completed value, and the planned exit.
New Buildings, Not Just Renovations
Ground-up financing is designed for new residential, mixed-use, and spec construction. Eligible project costs can include the vertical build, labor, materials, and other approved construction costs tied to the budget.
Budget + Draw Structure
The loan is structured around the project budget and leverage, with construction proceeds released through draws as milestones are completed. Existing land equity can help reduce the cash required at closing.
Project, Builder, and Exit
Lenders review the plans, budget, timeline, contractor or builder experience, permitting status, and exit strategy. The goal is a financeable build with a realistic path from closing through completion and sale or refinance.
What Clients Say
“They helped us tighten the budget narrative and set expectations on draws from day one.”
Builder • Ground-up project
“Clear milestones, quick turnaround, and practical guidance when something changed mid-stream.”
Repeat borrower • Construction timeline
Ready to Review a Build?
Share the basics and we will outline likely leverage and the next steps.