Do You Have a Lot to Build? Looking to Purchase a Lot for a Spec Home or Multi Family? Start your Ground Up Construction Now!

Simple Steps:

  1. Identify Your Land (No Foundation)
  2. Estimate Your Build Budget
  3. Estimate Your ARV (After Repair Value)
  4. Estimate Your Project Timeline
  5. Fill Out the Form Below
  6. Sign Your Term Sheet!

Ground Up Construction Loans

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Or Use One of Our Alternative Non-QM Loan Programs for Real Estate Investors Including: ConventionalDSCRCash Flow, No Doc, Bank StatementForeign NationalsHard Money and More!

For Real Estate Investors we have a variety of commercial lenders to choose from with dozens of products including Non-QM Programs Such as No Doc, Bank StatementDSCRForeign NationalsHard Money and many other types of loans. Let us shop over 100 lenders and banks to find the best loan for your property. 

Specialty Loan Types:

For a Portfolios of 2 Or More Properties Apply on our Real Estate Investor Portfolio Loans Page Now!


  • Term Sheet in 24 Hours!
  • Advanced Draws Available
  • 6-24 Month Terms
  • 48 Hour Draw Requests
  • Finance Payments Into Loan
  • Up to 65% LTV Purchase
  • Up to 100% Rehab Financing

Ground up construction loans are a type of financing specifically designed for real estate investors who want to build a new property from the ground up. This can include everything from a single-family home to a multi-unit apartment complex, and can be an excellent way for investors to increase the value of their portfolio and generate income through rental properties or flipping houses.

One of the main benefits of ground up construction loans is that they offer investors the opportunity to tailor the property to their specific needs and preferences. This can be especially useful for fix and flip investors, who may want to add certain features or finishes to the property in order to make it more attractive to buyers. With a ground up construction loan, investors can have complete control over the design and build process, which can ultimately lead to a more profitable end result.

However, it's important to understand that ground up construction loans can be quite complex, and require a significant amount of planning and due diligence. In this blog post, we'll take a closer look at some of the key considerations for real estate investors who are considering a ground up construction loan, including how to calculate the costs, how to choose the right lender, and what to expect during the construction process.

Calculating the Costs of a Ground Up Construction Loan

One of the first things that investors will need to do when considering a ground up construction loan is to calculate the costs associated with the project. This includes not just the cost of materials and labor, but also any fees or closing costs associated with the loan itself.

One tool that can be helpful in this process is a mortgage calculator. These calculators allow investors to input various factors such as the loan amount, interest rate, and loan term, and will then provide an estimate of the monthly payment and total cost of the loan. This can be a useful way for investors to get a sense of what they can afford, and to determine whether a ground up construction loan is a viable option.

It's important to note that there are many factors that can affect the overall cost of a ground up construction loan, including the location of the property, the type of construction being done, and the current state of the real estate market. Investors will need to take these factors into account when calculating the costs of their loan, and should be prepared for some degree of uncertainty.

Choosing the Right Lender for a Ground Up Construction Loan

Once investors have a sense of the costs associated with their ground up construction project, the next step is to choose a lender. This can be a challenging process, as there are many different options to consider, each with its own set of pros and cons.

One thing to keep in mind is that not all lenders offer ground up construction loans. Some lenders may only be willing to finance the purchase of an existing property, or may require that the construction be overseen by a professional builder or developer. It's important for investors to do their research and find a lender that is willing to work with them on a ground up construction project.

There are a few key factors to consider when choosing a lender for a ground up construction loan. One is the interest rate, which can have a big impact on the overall cost of the loan. Investors should shop around and compare rates from multiple lenders in order to find the best deal.

Another factor to consider is the loan terms. Some lenders may offer longer loan terms, which can make the monthly payments more manageable, but may also result in a higher overall cost. Investors should carefully weigh the trade-offs between loan term and monthly payment when choosing a lender.

Finally, investors should consider the reputation and experience of the lender. It's important to work with a lender that has a proven track record of success, and who is familiar with the complexities of ground up construction loans. This can help to ensure that the loan process goes smoothly, and that investors are able to get the financing they need to complete their project.

It's also a good idea for investors to seek out recommendations from other real estate professionals, such as agents or attorneys, who may have worked with a particular lender and can provide insights into their experience.

What to Expect During the Construction Process

Once investors have secured a ground up construction loan and broken ground on their project, there are a few key things to expect during the construction process.

First, it's important to understand that construction projects can be unpredictable, and there may be delays or setbacks along the way. This can be especially true for ground up construction projects, as there are often many more variables at play. Investors should be prepared for some degree of uncertainty, and should have a contingency plan in place in case things don't go according to schedule.

Another thing to expect during the construction process is regular communication with the lender. Most lenders will require updates on the progress of the project, and may also require inspections at certain points along the way. It's important for investors to keep their lender informed and to be responsive to any requests for information.

Finally, investors should be prepared for the final walkthrough and closing process. This is when the lender will review the completed project and ensure that it meets all of the terms of the loan agreement. If everything is in order, the lender will release the final loan funds and the project will be considered complete.


Ground up construction loans can be a great way for real estate investors to build a new property from the ground up, and can offer many benefits over purchasing an existing property. However, it's important for investors to carefully consider the costs and risks associated with these loans, and to choose a lender that is familiar with the complexities of ground up construction. With proper planning and due diligence, investors can successfully navigate the ground up construction loan process and build a valuable addition to their real estate portfolio.