Ground Up Construction Loans

For non owner occupied real estate investments

Competitive financing for acquisition, development and construction loans for builders and developers.

Basic Loan Details:

  • Up to 85% of Project Cost – land & development
  • 12-24 Month Term – Interest Only
  • Up to 75% Loan to Purchase, 100% development cost not to exceed 75% ARV
  • Loans from $250k to $10M
  • Nationwide Footprint
  • Fast approvals and funding since we are not a bank
  • Minimum Experience – 2 + deals completed
  • 1-100 Units


That Can Be Financed:

Multi Family 


Town homes



  • Resume / Summary of experience showing 2+ previous completed deals
  • Personal Financial Statement

Project Info: New Construction / Condo Conversion

  • Project Summary
  • Exit Strategy (Sell / Rent)
  • Plans and Drawings
  • Detailed Budget
    • Hard Costs (labor, materials, etc)
    • Soft Costs (plans, permits, interest, etc)
  • Project Estimated P&L (if to be sold)
    • Is the deal gross margin at least 20%?
  • Proposed Timeline (Permit Phase, Construction Phase, Marketing Phase, Sellout Phase)
  • Construction company / GC Bio
  • Borrower Provided Comps

Rates & Terms

Residential Ground Up Construction (Purchase and Refinance):



Minimum Loan $250,000
Maximum Loan $10,000,000
Maximum LTV 75% of purchase price 100% of rehab 75% of ARV 85% Loan to Coast
Purpose Purchase
Lien Position 1st only
Terms 12-36 months
Location Nationwide
Interest Rates Starting at 10%+
Rehab Holdback Only incurs interest as the monies are drawn upon
Origination Fees 2+ points
Amortization Interest only
Recourse Recourse
Entity Entity
Property Types Single Family 2-4 Units, up to 100 units now available

Click here to see our privacy policy. Loans are not available where prohibited by law, or in states where Private Money Capital Group does not trade. Loans are available only on non-owner occupied real property.