Breaking ground on your next residential project? Our Ground-Up Construction (GUC) program is built for speed, clarity, and experienced execution—so you can get from plans to CO with fewer surprises.

Quick Program Snapshot

• Min FICO: 660 (700+ recommended for best terms)

• Leverage (LTC):

  • Up to 90% LTC – Experienced (4+ completed GUC projects)

  • Up to 85% LTC – Experienced (2–3 completed GUC projects)

  • Up to 80% LTC – Investors with 1 completed GUC & 700+ FICO

  • FICO 660–699 or Foreign National: Max 60% LTC

• Rates: start at 8.25%

• Loan Size: $150,000–$1,500,000 (up to $2,000,000 case-by-case)

LTC = Loan / Total Project Cost (land + hard + soft + contingency). Higher LTC = less cash in and more leverage.

Who It’s For

• Infill builders & small developers scaling repeatable SFR or small-residential product.

• Experienced operators who want higher LTC with clean budgets and reliable GC subs.

• Investors planning a DSCR take-out on stabilization (build → lease → refi).

How Leverage Tiers Work (Simple Math)

Example A – 4+ completed builds (up to 90% LTC)

• Total project cost: $1,000,000 → Max loan $900,000; equity $100,000

Example B – 2–3 completed builds (up to 85% LTC)

• Total project cost: $1,200,000 → Max loan $1,020,000; equity $180,000

Example C – 1 completed build with 700+ FICO (up to 80% LTC)

• Total project cost: $800,000 → Max loan $640,000; equity $160,000

Example D – FICO 660–699 or Foreign National (max 60% LTC)

• Total project cost: $900,000 → Max loan $540,000; equity $360,000

What We Look For (to move you to “yes” faster)

• Experience evidence: addresses, scope, and your role on recent GUCs (subs are okay if well-documented).

• Clean budget: hard/soft costs, contingency, and line items that match plans.

• Permits & plans: or a clear path/timeline to approvals.

• Exit plan: pre-sale comps or a DSCR refinance path on stabilized rent.

• Team readiness: GC license/insurance, schedule, and vendor quotes.

Strengthen Your File (and Pricing)

• Aim for 700+ FICO to unlock stronger LTC/terms.

• Tighten contingency & bids: updated trades quotes reduce underwriting haircuts.

• Prove comps early: for both ARV and, if renting, projected DSCR on take-out.

• Document land basis: purchase HUD or appraisal and any site work already completed.

Fast FAQs

Q: What does “LTC” include?
A: Land (or current land basis), hard costs, soft costs, and contingency—your full project budget.

Q: Can Foreign Nationals qualify?
A: Yes—max 60% LTC. Experience, budget quality, and documentation still apply.

Q: Can I pair this with a DSCR refi when stabilized?
A: Yes—many builders use our DSCR program post-CO to hold cash-flowing assets long-term.

Q: How do exceptions to $2M work?
A: Select files with strong experience, budget discipline, and market comps may be considered.

Next Steps

Reply with your address, plans/permits status, budget, schedule, comps, and brief experience summary—or upload your scenario at LoanFunders.com for a soft quote. We’ll map LTC eligibility, rate scenarios (from 8.25%), and the cleanest path to closing.

Disclaimer: Program terms, guidelines, and pricing are subject to change without notice and may vary by scenario. This is not a commitment to lend. All loans subject to underwriting and applicable regulations.