Send the build
Lot cost, construction budget, expected completed value, timeline, your prior build experience, and how the loan is repaid.
Ground-up construction financing
Ground-up construction financing for investor builds.
Business-purpose capital for investor-led new construction, structured around a budget, a draw schedule, and a timeline a lender can underwrite. Construction files carry more documentation than any other investor product, and how well the budget and schedule are prepared drives which lenders will look at the deal.
- Lot and vertical costs addressed together in one request.
- Construction funds released in draws against verified progress.
- Builder experience, budget detail, and the exit all carry weight in underwriting.
- Send a deal and get a straight read on fit within 24 hours.
Send the build.
Program at a glance
The numbers investors ask about first.
Figures describe programs commonly available through the lenders we place with. Final terms come from the lender after underwriting and appraisal.
How it works
The budget and the schedule do the talking.
Get a fit review
We review the budget detail, the draw schedule, and the experience the file shows, then identify which construction programs are realistic.
Move to submission
We help organize the budget, plans, permits, and builder documentation lenders expect before a construction file gets serious attention.
Recent placements
Construction deals we have helped move to closing.
FAQ
Construction questions we answer most.
How are construction funds released?
Construction money is usually held back and released through draws. The builder completes approved work, submits a draw request, and the lender verifies progress before reimbursing funds tied to the approved budget.
What property types can fit investor financing?
Most requests start with non-owner-occupied residential investment properties such as single-family homes, duplexes, triplexes, fourplexes, townhomes, and eligible rental properties. Program availability can vary for larger multifamily, mixed-use, manufactured housing, or ground-up construction scenarios.
Do I need personal income verification?
Many private money programs are built around the asset, not a conventional debt-to-income review. Lenders still review credit, liquidity, experience, collateral, budgets, and the exit strategy before issuing terms.
What happens when the build is finished?
Construction debt is short term. Investors typically repay it by selling the completed property or by refinancing into longer-term financing such as a DSCR rental loan once the property is rented or rent-ready.
Next step
Ready to put a file together?
Send the build above for a fit review, or go straight to the full application if plans and a budget are already in hand.
Prefer to talk it through? Call (701) 353-0929.