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Ground Up Construction Loans

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Flexible Financing for Ground-Up Construction

Our ground-up construction loans are designed to empower builders and investors with the capital needed to bring their projects to life. Whether you’re acquiring land or constructing a new development, we offer flexible underwriting and expedited closings that outmatch conventional funding options. With competitive rates and investor-friendly terms, we ensure a seamless financing experience to help you scale your real estate investments with confidence.
Ground Up Construction Loans

What Are Ground Up Construction Loans?

Ground up construction loans are a type of financing specifically designed for building new structures from the ground up. These loans provide funding for every stage of the construction process, from land acquisition to final build-out. Ideal for real estate investors and developers, ground up construction loans offer flexible terms and faster approvals compared to traditional financing, making them a powerful tool for bringing new construction projects to life.

Ground Up Construction Loan Terms

Property Type

Homes with 1-4 Units (5 units and above on a case by case basis).

Loan Amount

UP TO US$ 5,000,000 (Loan amount above US $5M subject to longer approval time and additional requirements).

Type Of Loan

Interest only short term loan with a balloon payment at maturity.

Maximum Loan To Cost

Up to 85%

Maximum Loan To ARV

70%

Maximum Loan To Value

Up to 75%

Base Rate

STARTING RATE 8.75% (Interest only payments on disbursed amount)

Minimum Fico Score

700

Prepayment Penalties

No Prepayment Penalties

Foreign Nationals Accepted

+ 0.25 to base rate

Term Length

1-2 years

Advantages

  • Competitive rates.
  • On average 24-48 hours for approval and 15-21 days to close.
  • Experienced and new investors are welcome.
  • Domestic and Foreign National accepted.
  • No fees if loan is paid before maturity.

Easy Draw Process Requirements

Borrower Documents

  • Signed Loan Application / Credit Application
  • Valid ID or Passport (plus U.S. Visa for Foreign Nationals, if applicable)
  • Social Security Number (SSN) for credit and background check
  • 2–3 Months of Bank Statements
  • Proof of 6 Months Liquidity / Reserves
  • Borrower’s Legal Status
  • Non-Owner Occupancy Certification
  • Investor’s Track Record with Proof of Ownership (minimum 3)
  • Borrower’s Identification

Entity Documents

  • Entity Formation Docs (Articles of Incorporation, Operating Agreement / By-Laws)
  • EIN (Employer Identification Number)
  • Certificate of Good Standing (COGS)

Property / Project Docs

  • Purchase Contract (if applicable)
  • Scope of Work / Rehab Budget / Schedule of Values
  • Approved Plans (if applicable)
  • Permits (if applicable)
  • Term Sheet / Letter of Intent (LOI)
  • Evidence of Initial Deposit
  • Contract between Borrower and General Contractor

Insurance Requirements

  • General Liability Insurance
  • Builder’s Risk Insurance (if applicable)
  • Flood Insurance (if applicable)
  • Property Insurance (Full Replacement + $500K Liability Coverage)

Contractor Verification

  • Contractor’s License (from DBPR or applicable authority)
  • Contractor’s Driver’s License
  • Contractor’s Commercial General Liability Insurance
  • Contractor’s Workers Comp Insurance
  • Contractor’s W-9
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Ground Up Construction Loans

Land Loans Tailored to Your Investment Goals

Investing in land can be a game-changer, and securing the right financing is key. Our land loan solutions cater to investors, developers, and businesses looking to purchase raw land, build residential properties, or develop commercial and industrial spaces. With customized loan structures and expert guidance, we work with you every step of the way, ensuring you have the resources and insights needed to make informed decisions and maximize your investment potential.
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Ground Up Construction Loans

F.A.Q.

Ready to Build Your Vision?

Partner with us to secure the financing you need for your ground-up construction projects. Contact us today to discuss your goals and discover how our tailored loan solutions can bring your vision to life.
Confidentiality Notice

Jonathan Espinosa is a Licensed REALTOR® with Island Living Realty, LLC. Jonathan Espinosa is a Licensed MORTGAGE LOAN ORIGINATOR with Superior Mortgage Experts, Inc. NLMS #2512453.

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Confidentiality Notice

Jonathan Espinosa is a Licensed REALTOR® with Island Living Realty, LLC. Jonathan Espinosa is a Licensed MORTGAGE LOAN ORIGINATOR with Superior Mortgage Experts, Inc. NLMS #2512453. The information contained in this message may be privileged, confidential, and protected from disclosure. If the reader of this message is neither the intended recipient, nor any employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is strictly prohibited.