Home / Private construction loans
Private construction loans for investors
A private construction lender for homes built to sell or rent. 90% of your lot and build budget funded, with no building experience required.
Get my termsNew construction loansSee your terms in seconds
Your loan amount shows as you type. Send the deal and a loan officer follows up.
Estimate only. Loan amount is 90% of lot price plus build budget. Business-purpose loans on investment property, not homes you will live in.
Private money construction loans
Private construction lenders lend their own or their investors' capital instead of bank deposits. That lets them fund projects banks pass on: spec homes, investors building their first house, and builders who want one loan for the lot and the build.
What we fund
| Term | Ground Up Construction Lending |
|---|---|
| Share of lot and build funded | 90% |
| Your share | 10% |
| Building experience required | None |
| Build budget paid | In draws as work is completed |
| Loan purpose | Build to sell or rent (investment property) |
How it compares with a bank construction loan
| Question | Ground Up Construction Lending |
|---|---|
| Who it is for | Investors building to sell or rent |
| Experience required | None |
| Share of cost funded | 90% of lot and build |
| Repaid by | Sale or refinance of the finished home |
Questions builders ask
Straight answers about private construction loans.
What is a private construction lender?
A lender that funds construction with private capital rather than bank deposits, usually for investors and builders.
How much of my build do you fund?
We fund 90% of your total cost: the lot price plus the build budget. You bring the other 10%.
Do I need building experience?
No. We lend to first-time builders with no completed projects, as well as to experienced builders.
Can I use this to build a home I will live in?
No. These are business-purpose loans for homes built to sell or rent.
More from Ground Up Construction Lending
Loans, tools and guides for investors building new homes.