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.
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.
Most lenders require a 20% to 30% down payment based on the total project cost (land + construction). Some programs may offer lower down payment options, but these are rare and usually come with higher rates.
If you already own the land, you’ll need a clear title. If you’re buying land with the loan, the purchase must be included in the financing.
A line-item construction budget must outline materials, labor, permits, and contingency funds. This allows the lender to assess cost-to-build vs. appraised value.
Most ground-up construction loans require a minimum credit score of 680, but stronger financials or a larger down payment may offset a lower score.
Provide your credit report (lenders pull it, but check yours first). Submit 2–3 years of personal/business tax returns, recent pay stubs (W-2s/1099s), and profit/loss.
Submit 3-6 months of personal and business bank statements. Include investment/retirement account details and a list of existing debts (mortgages, loans, etc.).
Submit 3-6 months of personal and business bank statements. Include investment/retirement account details and a list of existing debts (mortgages, loans, etc.).
Provide a detailed cost breakdown (materials/labor/permits), 10-15% contingency fund, and realistic construction schedule with milestones.
Lenders typically require that you already own the land or are purchasing it with the loan—learn what land requirements apply for ground-up construction loans.
Blueprints must be complete and comply with local building and other regulatory codes to satisfy lender requirements for construction loans.
We simplify everything—no endless documents or confusing hurdles. Just straightforward terms and a transparent process from application to funding.
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.
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.
A Ground Up Construction Loan is ideal for:
Ready to Finance Your Ground-Up Construction Project?
If you’re planning to build a new home from the ground up, securing the right construction loan is key. With competitive rates and clear requirements, these loans help you finance land acquisition, construction costs, and ensure your project stays on track without relying on expensive hard money lenders.
Contact us today to learn more about your ground-up construction loan options — let’s help you build your dream home with confidence.
A DSCR loan (Debt Service Coverage Ratio loan) is financing based on a property’s income, not your personal earnings. Lenders check if the property’s cash flow (NOI) can cover the loan payments by calculating the DSCR ratio. A ratio of 1.0 or higher means it’s a good fit. Perfect for investors relying on rental income
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A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
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ITIN loans provide a path to homeownership for non-U.S. citizens and residents who don’t have a Social Security number (SSN) but have an Individual Taxpayer Identification Number (ITIN). These loans allow borrowers to purchase, refinance, or renovate properties using their ITIN instead of an SSN, making homeownership accessible to immigrants, foreign nationals, and undocumented individuals who pay U.S. taxes.
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Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
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