Ground-Up Construction Loans
Financing for ground-up residential construction on infill 1–4 unit projects, with draw schedules that keep your build on track from foundation to finish. Reserved for experienced builders.
Tell us about the property
We lend in most states across the country.
Eligible properties
- Single family residence
- 2–4 unit multifamily
- Condominiums
- Townhomes
- Planned unit developments (PUD)
Not eligible
- Owner-occupied properties
- Mixed-use properties
- 5+ unit multifamily
- Condotels / Co-ops
- Mobile / manufactured housing
- Commercial property
- Log homes
- Operating farms, ranches, or orchards
- Large tracts / rural / remote land
- Properties with unpaved/dirt roads
Good to know
Loans above $1M (up to $3M) subject to underwriter pre-screen.
Maximum total points (broker + lender) is 5; broker points must be ≤ lender points.
No minimum interest earned — no prepayment penalty.
US citizens, green-card holders, and qualifying foreign nationals borrowing through an LLC or corporation.
Guarantor net worth of at least 10% of the loan amount.
Required above $500K in NJ/NY, above $2M in CA/HI, and above $1M in all other states.
Applications under the program FICO minimum aren't auto-declined — they're flagged for manual review.
Why investors choose this program
Foundation-to-finish funding
Up to 85% LTFC / 70% ARLTV
$50k–$1M ($3M with pre-screen)
680 min FICO, Tier 3+ experience