Ground-Up Construction Loans for Real Estate Investors

Flexible construction financing for investors and developers building residential investment properties from the ground up. Programs are available for experienced operators and qualified first-time investors, with competitive leverage and nationwide execution.

95% Up to LTC
75% Up to LTV
12–24 Month Terms
Nationwide Lending Coverage

Ground-Up Construction Loan Programs

Financing options based on development experience, leverage needs, borrower profile, and the economics of the project.

Ground Up — Expert

High-leverage construction financing for experienced developers with a strong track record.

95% LTC
75% LTV
8.5% Rate
700+ Credit
10+ Completed Deals
12–24 Month Terms

Ground Up — Pro

Flexible construction financing with 90%+ LTC and a stackable interest reserve structure that can increase total leverage up to 95% LTC.

90%+ LTC
75% LTV
9–10% Rate
680+ Credit
3+ Completed Deals
12–24 Month Terms

First-Time Investors

A construction financing option for qualified investors completing their first Ground-Up or Fix & Flip project.

80%+ LTC
70% LTV
8.5–11% Rate
680+ Credit
0 Deals Required
12–24 Month Terms

Ground Up Pro may include a 5% stackable interest reserve, allowing total leverage up to 95% LTC. Available structure and final terms depend on the borrower, project scope, property, and overall deal economics.

How Ground-Up Construction Financing Works

Ground-up construction loans provide capital for investors and developers building new residential investment properties. Financing can account for the acquisition or land basis, construction budget, completed property value, borrower experience, and the overall economics of the development.

365 REI Capital offers ground-up construction financing for experienced developers as well as qualified investors completing their first project. Depending on experience and deal structure, available programs can prioritize higher leverage, competitive pricing, and flexible capital throughout the construction process.

Have a Ground-Up project?

Send us the project, construction budget, and capital need. We’ll review the deal, determine the available structure, and move quickly toward terms.

Scroll to Top