DSCR Loans for Real Estate Investors

From Vacant Lot to Finished Property —

Ground-Up Construction Loans Built for Builders

Finance your next development project with confidence. Ground-up construction loans tailored for investors and builders ready to start from scratch.

What is a Ground-Up Construction Loan and Why You Should Care?

A Ground-Up Construction Loan is financing created specifically for building a property from the ground up—starting with a vacant lot or tear-down.

Why It Matters

Whether you're developing a single-family home, duplex, or small multi-unit property, this type of loan covers both the land acquisition and construction costs, helping you bring your vision to life:

Get funding from lot purchase to final build
Designed for builders, developers, and investors
Flexible draw schedules to support your timeline
Build new inventory in high-demand markets

How It Works: Steps to Get a Ground-Up Construction Loan

1. Share your construction plans, timeline, and detailed budget—plus your experience if you've built before.

2. We assess the land value, scope of work, and the builder or contractor's track record.

3. We’ll outline your loan based on the total project cost and expected property value. This typically includes the land and construction budget, with funding released in stages as the project progresses.

4. Funds are disbursed in stages as work progresses. Each draw is based on completed milestones and inspections.

5. When construction is complete, you can either sell the property or refinance into a long-term loan (like a DSCR or conventional loan).

Let's Get In Touch

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FAQS

What types of projects are eligible?

Single-family homes, duplexes, triplexes, or small multi-family buildings in most markets.

Can I finance the land and the construction together?

Yes, we often combine the lot purchase and construction budget into one loan package.

How are construction funds released?

Funds are released through draws—each draw is based on construction progress and verified by inspections.