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Ground Up Construction Options
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
85% LTC | No Out-of-Pocket Start Costs
Ready to build—but don’t want to use your capital upfront?
We offer a unique $0 Down Ground-Up Construction loan designed for experienced builders and investors. With up to 85% LTC and deferred closing and interest costs, you can start building without draining your reserves.
✅ Program Highlights:
- $0 Down: Land, closing costs, and interest are paid at the sale or refinance
- Loan Amounts: $250K – $5M per phase
- Loan-to-Cost (LTC): Up to 85%
- Loan-to-ARV: Up to 70%
- Eligible Projects: Urban, suburban, and semi-rural new builds (including manufactured & modular homes)
📌 Borrower & Project Requirements:
- Credit Score: 660+ (Hard pull)
- ITIN + VISA or Green Card Accepted (Must have a U.S. partner on the LLC)
- Liquidity: Minimum 5% of the loan amount (used to fund initial materials—lender pre-pays suppliers)
- Net Worth: At least 50% of the loan amount per phase
- Land: Must be owned or the seller must be a partner in the LLC
- Investor Experience:
- The builder must have completed 3+ ground-up projects
- Builder’s experience & personal guarantee required (no guarantor option)
💰Loan Structure:
- Monthly Payments: ~1% per month on the amount used (rolled into the loan)
- Appraisal: Required
- Draws: Managed via virtual camera inspections
- Closing Costs:
- 50% rolled into the loan
- 2% paid at closing
- Title & fees rolled in
📍Nationwide
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
85% LTC | 70% ARV | Close Now, Pay Later
Looking to build without tying up your cash?
$0 Down Ground-Up Construction loan lets you finance 100% of your project costs—including closing and interest—with repayment due only when you sell or refinance. Designed for experienced developers with shovel-ready projects.
✅ Program Highlights:
- $0 Down Required
- Loan Amounts: $50K – $2M per phase
- Loan-to-Cost (LTC): Up to 85%
- Loan-to-ARV (After Repair Value): Up to 70%
- Closing Costs & Interest: Rolled into loan, paid at exit
📌 Requirements:
- Permits: Must be secured before underwriting
- Credit Score: 640+ (Soft pull preferred)
- Liquidity: 15% of the total loan amount
- Land Ownership: Land must be owned before closing
- Investor Experience: Guarantor must have completed 4 projects in the past 5 years
- Contingency: 5% built into the construction budget
💰 Loan Structure:
- Monthly Payments: ~1% of the amount used (rolled into the loan)
- Appraisal: Required
- Closing Costs: Approx. 5% – rolled into the loan
- Final Repayment: At time of sale or refinance
- Closing: In escrow with your title company (includes appraisal, title fees, insurance, and taxes)
📍 Nationwide
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
$0 Down – Ground-Up Construction
No Bank Accounts Required | Full Leverage from Day One
Looking to build from the ground up with no upfront capital, no bank statements, and no net worth requirement?
This $0 Down Ground-Up Construction Loan offers flexible nationwide financing for developers, including foreign nationals and first-time builders with one completed project.
✅ Program Highlights:
- $0 Down (Land equity can cover startup costs)
- Loan Amount: $50K – $2M per phase
- Loan-to-Cost (LTC): Up to 85%
- Loan-to-ARV: Up to 70%
- Closing Costs & Interest: Paid at sale or refinance
📌 Requirements:
- Credit Score: 680+ (Soft pull on middle score + background check)
- ITIN + Visa or Green Card: (Must have an LLC)
- Liquidity: 10% – 20% of the loan amount (used as working capital)
- Net Worth: Not required
- Land: Must be owned – 60% LTC with cash-out available at closing
- Investor Experience: At least 1 similar project completed in the past 3 years
- Bank Statements: Not required – covered by land cash-out
💰 Loan Structure:
- Monthly Payments: ~1% (rolled into the loan)
- Interest Reserves: Not required – covered by land cash-out
- Appraisal: Required
- Closing: In escrow with your title company (appraisal, title, insurance, taxes)
📍Nationwide
$0 Down – Ground-Up Construction
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
$0 Down – Ground-Up Construction
Cash Out Land at Closing
We make it possible to start building without a down payment—even if you’re working with an ITIN, visa, or green card. Ground-up construction offers up to 85% LTC and land equity cash out, giving experienced investors a clear path to break ground with no upfront capital.
✅ Program Highlights:
- Loan Amounts: $50K – $4M per phase
- Loan-to-Cost (LTC): 85%
- Loan-to-ARV: 70%
- $0 Down Required – land equity can cover your investment
- Land Cash Out Available at Closing (80% LTC on land value)
- Interest & Closing Costs: Paid when you sell or refinance
📌 Requirements:
- Credit Score: 640+ (Hard pull – middle score required)
- ITIN, Visa, or Green Card: Accepted with a U.S. entity
- Liquidity: 25%–30% of loan amount (can include cash, retirement, HELOC, etc.)
- Net Worth: Not specified, but a strong financial profile is preferred
- Bank Statements: Last 2 months (personal & business)
- Land Ownership: Required; eligible for 80% LTC land cash-out
- Investor Experience: At least 1 similar project in the past 3 years
- Appraisal: Required
- Interest Reserves:
- 6 months required
- Reduced to 1 month for 720+ FICO
💰 Loan Structure:
- Monthly Payments: ~1% of the amount used
- Closing Costs: Approx. 5% – paid at exit
- Closing: Escrow with your title company (includes appraisal, title fees, insurance, and taxes)
📍Nationwide
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
Need a ground-up construction loan that lets you scale faster without heavy upfront costs?
We offer 90% to 95% LTC and up to 75% ARV, allowing experienced developers to fund land, vertical construction, and soft costs with deferred payments.
✅ Program Highlights:
- Loan Amount: $100K – $4M per phase
- Loan-to-Cost (LTC):
- 90% Standard
- 95% for Qualified Borrowers
- Loan-to-ARV: Up to 75%
📌 Borrower & Project Requirements:
- Credit Score: 680+
- Net Worth: Not required
- Liquidity: 15% of the loan amount
- (Can include up to 50% from retirement accounts, cash value life insurance, or HELOCs)
- Land:
- Up to 80% financing available
- Vertical construction must be 100% funded
💰 Loan Structure:
- Experience: Minimum of 5 major rehab or ground-up projects in the past 5 years
- Appraisal: Required
- Interest Reserves: Required only if liquidity is limited
- Monthly Payments: 1% – 1.1% of the amount used – Deferred until exit
- Closing Costs: Approx. 5% – Paid at sale or refinance
- Estimated Exit Payment: ~$6,500
📍Nationwide
Ground-Up Construction – No FICO, No Appraisal
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
Ground-Up Construction Loan – 90–95% LTC | 75% ARV
Close in 5 Days
Looking for fast, no-hassle construction funding?
We offer a Ground-Up Loan with No FICO and No Appraisal Required—designed for experienced investors who already own land and want to start building now.
✅ Program Highlights:
- Loan Amount: $50K – $2M per phase
- Loan-to-Cost (LTC): 75%
- Loan-to-ARV: 70%
- Funding Timeline: Close in as little as 5 business days
- Residential Projects Only
📌 Borrower & Project Requirements:
- Credit: No FICO or bank statements required
- Net Worth: At least 50% of the loan amount per phase
- Liquidity: No bank statements needed
- Down Payment: 25% of the total LTC
- Land: Must be owned
💰 Loan Structure:
- No Appraisal Needed
📍 Eligible States:
AZ, CO, GA, TN, TX
Ground-Up Construction – Rural
Ground-Up Construction – Rural
Ground-Up Construction – Rural
50% LTC | 50% ARV
Looking to build in a rural or secondary market with land already secured?
We offer flexible terms for experienced investors—no FICO score required, light documentation, and potential cash out on land valued at 20% of ARV.
✅ Program Highlights:
- Loan-to-Cost (LTC): 50%
- Loan-to-ARV: 50%
- Loan Type: Ground-Up Construction
- Land Equity: Cash out available if land is valued at 20% of ARV
📌 Borrower Requirements:
- Credit Score: No minimum FICO required
- Experience: At least 3 completed construction projects
- Appraisal: BPO (Broker Price Opinion) + background check
💰 Loan Structure:
- Monthly Payments: 1.2% – 1.5% (on amount used)
- Title & Escrow: Standard closing with your title company
- Includes: Appraisal (BPO), Title Fees, Taxes, and Insurance