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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 Terms

PROPERTY TYPE

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

LOAN AMOUNT

100,000.00 to 3,000,000.00 ( up to 10,000,000.00 subject to longer approval time)

TYPE OF LOAN

Short Term Loan with Interest only payments with ballon payment at maturity

MAXIMUM LOAN TO COST

80%

MAXIMUM LOAN TO ARV

N/A

MAXIMUM LOAN TO VALUE

70%

TERM LENGTH

Up to 18 months + 6 months extension

BASE RATE

10.5% (Interest Only payments on disbursed amount)

MINIMUM FICO SCORE

700

PREPAYMENT PENALTIES

NO PREPAYMENT PENALTIES

FOREIGN NATIONALS

ACCEPTED + 0.25 to base rate

REQUIREMENTS

  • EXPERIENCE : 2 previous projects
  • Entity Documents (LLC or Corp)
  • Rehab Budget
  • Evidence of Insurance
  • Non Owner Occupancy Certification
  • SSN for credit Report and background check
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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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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.