Investor ground-up construction
Investor ground-up construction financing supports a business-purpose building project intended for sale or rental.
Short answer
Investor ground-up construction financing supports a business-purpose building project intended for sale or rental. It differs from a homeowner's construction-to-permanent loan. The review centers on land, permits, builder experience, budget, draw administration, contingency funds, and the completed property's sale or rental exit. Availability depends on the project and lender.
Who this is for
- Builders developing homes for sale
- Investors planning build-to-rent properties
- Experienced operators comparing construction capital and permanent financing
What it takes to qualify
- Land ownership or purchase terms, plans, approvals, and permits
- Builder track record, contracts, detailed budget, and construction schedule
- Contingencies, carrying costs, completed value, and exit financing
Private lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
How it works with me
A process you can see the whole way through
Explain the goal
Start with the property, location, intended use, and timing. The short form carries this product into the team's review.
Review the evidence
Land ownership or purchase terms, plans, approvals, and permits. Builder track record, contracts, detailed budget, and construction schedule. Contingencies, carrying costs, completed value, and exit financing. Use the secure application for financial documents.
Compare actual options
The team checks current program requirements and complete costs before you choose whether to apply.
What to know before you decide
Confirm the project before counting the loan proceeds
Land equity, construction draws, and completed value are separate parts of the calculation. The lender may require milestones, inspections, lien controls, and borrower cash before releasing funds. A land purchase or builder contract alone does not establish a financeable project.
Compare the tradeoffs
Compare recourse, draw timing, interest reserves, extension options, and the amount of your own cash needed between draws. Model delays in permits, utilities, labor, and the final sale or lease-up.
Rates and terms subject to change without notice. Not a commitment to lend. Not available in all states. This is not tax, legal, or financial advice. Consult a qualified professional for your specific situation.
Run your own numbers first
A generic calculator cannot establish eligibility for this program. Start with a documentation and property review.
Open the calculatorsRelated programs
Investor ground-up construction: common questions
Can this finance a home I plan to occupy?
Not through the business-purpose path described here. Use the owner-occupied construction page, or VA construction if eligible, for a personal-residence review.
Does the website check affect my credit?
No. The website assessment does not pull credit or approve a loan. It sends your answers to the team so the next conversation starts with your situation.
Fine-tune your Investor ground-up construction plan
Send the property, purpose, timing, and numbers you already know. The email opens prefilled for this Investor ground-up construction page so the review starts in the right lane.
Business-purpose and investor loans (including DSCR) are available in 40+ states.