/ Ground-Up · Program details

Ground-Up Construction.

From dirt to done — land, vertical build, and exit on one platform, with draws that keep pace with your schedule, not your bank's.

Run the numbers first
A new build under construction with house wrap and scaffolding
/ The full box

Every parameter. Up front.

If your deal fits this box, terms come fast. If it does not, you hear that fast too — with what might work instead.

Project types
Non-owner-occupied SFR and 2–4 unit new constructionSmall infill and spec builds are the sweet spot
Loan amounts
$150K – $8M+Larger projects structured directly with a licensed loan officer
Leverage
Up to 85% of total cost + 100% of constructionLand equity can count toward your contribution
Land status
Entitled or permitted preferredRaw land case-by-case at lower leverage
Experience
Build or heavy-rehab history expectedFirst-time builders considered with a qualified licensed GC on the team
Minimum credit
680+
Term
12–24 months, interest-only
Draws
Inspection-based, through the servicing portal end to endDraw schedule set against your construction budget at closing
Exit
Sell on completion — or roll into a 30-year DSCR rental loan
Borrower
Business entities only — LLC, corporation, or LP
Where
Business-purpose deals in 49 states
THIS PROGRAM IS PRICED BY A LICENSED LOAN OFFICER, NOT THE ONLINE ENGINE. ALL FIGURES ARE PROGRAM GUIDELINES AND STARTING TERMS, NOT AN OFFER OR COMMITMENT TO LEND — FINAL TERMS ARE SET BY THE FUNDING LENDER AFTER VERIFICATION AND CONFIRMED ON YOUR WRITTEN TERM SHEET.
/ How it works

Dirt to done. Funded at every stage.

01

Bring the project

Land status, budget, plans, and your builder — the more permitted, the faster the yes.

02

Terms in writing

Structure, leverage, and the draw schedule on one term sheet — as fast as same day.

03

Build on schedule

Inspection-based draws release as work completes; the file stays visible the whole way.

04

Exit your way

Sell the finished build — or refinance into a 30-year DSCR loan and start collecting rent.

/ Program questions

The short answers.

Heavy-rehab experience counts for a lot, and pairing with a qualified licensed general contractor closes the gap. Tell your loan officer the team, not just the deal.

Owned land can typically count toward your contribution to the project — how much depends on basis, value, and status. It is one of the first things your loan officer will size.

Entitled means the legal approvals to build exist; permitted means you can break ground. The further along the paper is, the lower the risk — and the better your leverage and speed.

Draws release on inspection as stages complete, handled end to end through the servicing portal. A stalled draw stalls a build — that is exactly when your loan officer picks up the phone.

Yes — build-to-rent is a first-class path here. Finish construction, then roll into a 30-year DSCR loan on the same platform without re-starting with a new lender.

/ One platform, whole lifecycle

Where this loan leads next.

/ Ready when you are

Fund the flip.
Skip the wait.

Three minutes to start. A written term sheet as fast as same day.