Ground Up Construction Loans
Global Dreams, Local Financing Foreign National Loans Made Simple
Ground Up Construction Overview:
What is Ground Up Construction?
Documents you'll need
Benefits of an ITIN Loan
Requirements for ITIN Loans
Apply today!
What is an
ITIN Loan?
What are Ground Up Construction Loans?
Pro Investor Capital offers ground-up construction loans tailored for experienced builders developing 2-200 spec homes annually. Skip the bank hurdles—our loans deliver higher leverage, competitive rates, and faster closings, so you can break ground without delays.
With a simple draw process and reliable funding, we keep your project on track and on budget. No unnecessary complexity—just straightforward financing designed to help you scale efficiently.
Property Types
Ground-up construction loans for real estate investors are different from mortgages on owner-occupied properties in a few ways. First, this construction financing is a short-term loan, not a 30-year mortgage like FHA loans. The loan can be used to cover the costs of construction only, or of the purchase and construction of the property. If you choose to hold the property as a single-family rental, you may need to refinance into a permanent mortgage because the construction loan is a short-term note, unless you owned the property free and clear before beginning the construction project.
Built for investors
Unlike traditional 30-year mortgages, Pro Investor Capital’s ground-up construction loans are designed specifically for real estate investors—with flexible terms that match your strategy. Here’s how they work:
Short-term financing (typically 12-24 months) to cover land acquisition, construction costs, or both.
Convertible exit options: Hold as a rental? Refinance into long-term financing* (*unless you owned the property outright pre-construction).
Zero owner-occupancy rules: This is pure investment capital, with no FHA-style restrictions.
Speed and simplicity: Close fast, build faster, and pivot seamlessly to your next move—whether that’s a flip, refinance, or portfolio hold
Requirements for Ground Up Construction
Experience
You’ll need to provide your ITIN card as your primary identification. Most lenders will also ask for a secondary form of ID, such as a driver’s license or passport. These documents help verify your identity securely.
Liquidity
ITIN loans often have more flexible credit requirements than traditional mortgages. While lenders will review your credit score, a less-than-perfect history doesn’t automatically disqualify you. Be prepared to discuss any existing debts and your payment track record.
Exit Strategy
Expect to show proof of at least two years of steady employment. This can include traditional employment or self-employment income. Consistent work history demonstrates your ability to maintain mortgage payments.
While other lenders retreat from the market, Pro Investor Capital continues delivering reliable construction financing—including ground-up and new construction loans—when you need it most. Our proven programs are built to withstand market shifts, offering stability and certainty for your projects.
Documents you will need:
The Documents
you will need:
Identity Verification
You’ll need to provide your valid ITIN (Individual Taxpayer Identification Number) along with a government-issued photo ID. While documents like a visa or green card are helpful, some lenders may also accept foreign passports or consular IDs for verification.
Income Verification
Lenders will require proof of stable income, such as recent pay stubs, tax returns (usually the past two years), and bank statements. If you’re self-employed, additional documentation like profit/loss statements or 1099 forms may be needed to verify your earnings.
Credit Documentation
Since ITIN loans don’t rely on traditional credit scores, lenders may evaluate alternative credit data. This can include rental payment history, utility bills, or even international credit reports if available. Providing at least 6–12 months of consistent payment records will strengthen your application.
Simple Process
We simplify everything—no endless documents or confusing hurdles. Just straightforward terms and a transparent process from application to funding.
Expert Service
Our dedicated loan experts bring decades of experience to every deal. As your premier mortgage lender we will craft solutions tailored to your project’s unique needs.
Quick Closing
Pro Investor Capital closes loans in as little as 5–7 days, far faster than traditional lenders. This means you secure deals before competitors even finish paperwork.
Interested in ITIN?
An ITIN Loan is ideal for:
Foreign investors needing U.S. property financing without an SSN
Immigrant homebuyers establishing credit and residency
Self-employed professionals using flexible income verification
Thin-credit borrowers qualifying through alternative payment history
Savvy investors expanding rental portfolios strategically
First-time buyers accessing affordable homeownership options
Take the Next Step
Ready to achieve homeownership without an SSN?
Whether you’re a foreign investor, self-employed professional, or building your U.S. credit history, ITIN loans open doors when traditional financing won’t. With competitive rates and flexible qualifications, these loans help you purchase property, establish credit, and avoid costly hard money alternatives.
Contact us today to explore your options – let’s make homeownership possible, one smart financial step at a time.