Ground-Up Construction Loans
Fund new-build investment projects — single-family rentals, townhomes, and small multifamily — with milestone draws and interest reserves.
Build your rental portfolio from the dirt up
Our ground-up construction program funds land acquisition and vertical construction in one loan, with draw-based disbursements tied to inspection milestones and an interest reserve to keep carrying costs predictable.
- Up to 85% LTC (land + construction)
- Loan amounts $150K–$5M
- 12–24 month terms with extensions
- Milestone draws with inspection oversight
- Interest reserve built into the loan
- Convert to DSCR takeout on stabilization
Program at a glance
| Max LTC | 85% |
| Max LTV (land) | 70% |
| Loan amounts | $150K–$5M |
| Term | 12–24 months |
| Min FICO | 680 |
| Experience | 2+ completed projects |
| Draws | Milestone + inspection |
| Vesting | LLC / Corp / Trust |
Construction Calculator
Estimate land + construction financing, interest reserve, and cash to close with milestone draws.
Your Construction Loan
- Land loan
- $84,000
- Construction loan
- $238,000
- Total loan amount
- $322,000
- Cash to close
- $78,000
- Avg. monthly interest
- $1,275
- Interest reserve
- $7,648
- Total interest (term)
- $22,943
- Total project cost
- $422,943
This calculator provides an estimate for illustration only and is not a loan offer or commitment to lend. Interest is calculated on average outstanding balance during the draw period. Actual LTC, LTV, rates, and terms vary based on full underwriting, builder experience, and program guidelines. Up to 85% LTC with milestone draws and interest reserve.
Breaking ground soon?
Share your pro forma and budget for a construction quote with draw schedule.