Ground-Up Construction Financing
Capital to build new investment property from the ground up.
Ground-up construction financing funds the construction of a new investment property from an empty lot. Funds are typically drawn in stages as construction progresses, with interest often charged only on drawn amounts. It's more involved than a purchase loan — partners look at plans, budget, builder, and your experience — and usually converts to permanent financing once the property is complete and stabilized.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Reveal Ground-Up Construction
Reveal partner channel
- Minimum loan
- $75,000
- Minimum credit
- Selected asset-based options or full-documentation options starting at 640 FICO
- Experience
- Verifiable borrower/builder experience generally required
- Term / structure
- Requirements vary by program—request a funding review
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Building new rental or investment property
- Constructing a small development
- Build-to-rent projects
- Construction followed by refinance or sale
When it fits
- You have plans, a budget, and a qualified builder
- The completed property will have clear value or income
- You have construction or development experience
How it generally works
- 1You provide plans, budget, builder, and timeline.
- 2Financing is approved based on project feasibility.
- 3Funds are drawn in stages as construction milestones complete.
- 4At completion, you refinance into permanent financing or sell.
Factors funding partners may consider
- Project plans, budget, and timeline
- Builder qualifications and track record
- Completed value or income potential
- Your experience with construction projects
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Plans and permits
- Construction budget and draw schedule
- Builder information
Additional Underwriting & Closing
- Borrower experience summary
- Entity documents
- Completed-value appraisal or income projection
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
An investor finances construction of a build-to-rent property, drawing funds as milestones complete, then refinancing into a DSCR rental loan once occupied. Actual terms depend on the partner and project.
How it compares to related products
vs. Fix-and-Flip
Construction builds new; fix-and-flip renovates existing property to resell.
Learn morevs. DSCR Loan
Construction funds building; a DSCR loan finances an existing completed rental.
Learn moreFrequently asked questions
Ready to explore ground-up construction financing?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.