Let’s Fund Your Next Ground Up Project!

Ground-Up Construction

Kickstart your next build with flexible construction financing. Our lending experts are ready to help you turn your vision into reality. Fill out the form below to get started.

Hero Circular TextHome Hero Image
UP TO
9.99%
RATES FROM*
75%
LTV
LTARV
21-30
DAY CLOSE
12-24
I/O OPTION
$450k up to $5M

Step 1: Submit Your Deal

Ground-Up Construction

Why Choose Our Ground-Up Construction Loans?

Our Ground-Up Construction loans are designed for investors who need reliable, flexible funding to launch their next project. With competitive terms and up to 100% of construction costs covered, our financing solutions make it easier to start building with confidence. Whether your goal is to build properties for sale or for long-term income, our simplified approval process ensures you can focus on what matters most—delivering your vision.

Ground-Up Construction Calculator

Calculate project cost, financing, LTV, and total interest for your build.

Simple Qualifications

Are We a Good Fit?

Our Ground-Up Construction loans are designed for developers and investors embarking on new-build projects. To qualify, you’ll need

Our Mission Card Icon

Experience

At least 1+ completed properties.

Our Mission Card Icon

Credit Score

Minimum of 700

Our Mission Card Icon

Liquidity/Reserves

25% down payment with 3 months of reserves

Our Mission Card Icon

Property Type

SFR, Condo, Townhome, 1–4 Units

Our Mission Card Icon

Loan-to-Cost (LTC)

Financing available for up to 75% of project costs.

GET STARTED

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

Ground-Up Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Ground-Up Construction
Experience Required:
1+ Completed Properties
Minimum Credit Score:
700
Liquidity:
25% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
None
Closing Timeline:
21 to 30 Days
Draw Schedule:
24–48 Hours
Rate:
9.99%
Loan-to-Value LTV:
N/A
Loan-to-Cost (LTC):
0.75
Loan Term:
12–24 Months Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$450k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, Up To 100% Construction Costs
Number of Units:
1 to 4 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About Kevin

I’m a mortgage and real estate professional with over four decades of experience structuring creative deals across nearly every asset class imaginable—from residential homes and multifamily properties to ranches, office buildings, and even private islands. With 36 years as a licensed Realtor and 40+ years in the mortgage industry, I’ve helped investors navigate complex financing on everything from construction loans to cannabis facilities. My edge comes from deep industry knowledge, integrity, and the ability to find solutions where others see obstacles.

Outside of work, I’ve been married for over 40 years, am a proud father of two daughters and grandfather of five, and the founder of Soaring Over Sixty, a platform dedicated to thriving beyond 60. I’m also an adventure racer, cowboy poet, photographer, and creator of The Just Passing Wind Tour, a musical-comedy show that brought laughter and insight to audiences nationwide.

If you’re looking for a seasoned guide who can unlock financing opportunities and bring genuine energy to every deal—you’re in the right place. Let’s make the complex simple, and turn your vision into reality.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000