Build From the Ground Up—With Financing That Moves as Fast as You Do
Ground-up construction loans give you the capital to purchase land, fund vertical construction, and complete your build—whether you're a seasoned developer or building your first spec home. No tax returns. No conventional red tape.
Nationally Licensed Broker • Equal Housing Lender
Why Ground-Up Construction Financing Is Different
Building a property from scratch is one of the most profitable strategies in real estate—but traditional lenders make it one of the hardest to finance. They want full tax returns, detailed income history, and often won't fund speculative builds at all.
Ground-up construction loans are purpose-built for builders and investors. They fund the entire lifecycle of your project:
- Land acquisition—purchase the lot with financing, not all cash
- Vertical construction—draws released as you hit milestones (foundation, framing, drywall, finish)
- Interest-only during build—pay only on what you've drawn, not the full commitment
- Permanent financing or sale—refinance into a DSCR loan or sell upon completion
From empty lot to finished property—one financing relationship.
Program Highlights
Lot + Build Financing
Fund both the land purchase and full construction costs in a single loan.
Draw Schedule
Capital released in stages as construction milestones are completed and inspected.
No Personal Income Docs
Qualify based on project economics and experience—not tax returns.
Spec & Pre-Sold
Finance speculative builds and pre-sold projects with appropriate LTC/LTV.
12–18 Month Terms
Enough runway to complete your build without pressure. Extensions available.
Exit to DSCR or Sale
Refinance into a long-term DSCR hold or sell at completion—your choice.
Who This Is For
- •Experienced builders and developers looking to scale without tying up all their capital
- •Fix-and-flip investors ready to graduate from renovations to new construction for higher margins
- •Real estate investors building rental inventory (SFR, duplex, small multi) in high-demand markets
- •LLC and entity borrowers who need business-purpose construction financing without personal income docs
Frequently Asked Questions
Ready to Break Ground?
Let's review your project plans and find the right construction financing. I work with lenders who specialize in ground-up builds for investors.
NMLS# 2311093 • Equal Housing Lender