100% Financing for Ground-Up Construction
We lend 100% of the land purchase and 100% of the construction budget, up to 75% of the after-repair value. Few lenders offer it. We make it simple.
What 100% construction financing means
Most construction lenders fund only part of the lot and part of the build, leaving you to bring a large down payment. With our program, the loan covers the full land purchase and the full construction budget, as long as the total stays within 75% of the project’s after-repair value (ARV).
That means you can take on more projects with the same capital. Your cash goes to the required liquidity reserve and closing costs, not to tying up equity in dirt and drywall.
Program at a glance
| Item | Details |
|---|---|
| Leverage | 100% of land and construction budget, up to 75% ARV |
| Interest rate | 13% |
| Lender points | 2 |
| Term | 12 months |
| Qualifying borrowers | 600 credit score and 1 completed project |
| First-time investors | Up to 90% LTC, subject to approval |
How it works
1. Price it
Enter the lot price, construction budget and after-repair value in our calculator to see leverage, cash to close and monthly interest.
2. Apply
Create your portal account, complete the application, authorizations and experience worksheet, and upload your documents.
3. Build
Once approved and closed, construction funds are released through scheduled draws as work is completed.
Who this is for
- Investors building spec homes who want to preserve cash
- Builders and contractors scaling their pipeline
- Investors buying a lot and building for the first time
Not sure it fits? Send us your deal and we’ll tell you.
See what you could build
Run your numbers in about a minute, then start your application. No obligation.
Illustrative only; not a commitment to lend. All loans are business-purpose only, subject to lender underwriting and approval, property and borrower eligibility, and verified liquidity (10% of the construction budget plus 6 months of payments, third-party fees and closing costs). Financing is not available in HI, AK, OR, CA, AZ or NV, or in Baltimore, Philadelphia, New York City or Washington DC. Reduced leverage may apply in some markets. Rates, points and terms may change.