Ground Up Construction Loans
Fund land acquisition and vertical construction through scheduled draws. Designed for investors building new 1-4 unit residential inventory for sale or rent.
85%
Max LTC
$150K – $5M
Loan Amount
12–24 mo
Term
5–7 stages
Draws
From dirt to doors — financed in stages
Capital 26 funds land acquisition and vertical construction through a predictable draw schedule, so you can build new 1-4 unit residential inventory without tying up capital.
Land + vertical in one
Acquisition and construction financed together — one closing, one lender, one set of terms.
Scheduled construction draws
Draws release at defined stages — foundation, framing, dry-in, MEP, finish — verified by inspection each step.
Built for build-to-rent or sell
Exit by selling the finished units or refinancing into a DSCR loan once the property is leased and stabilized.
Experienced construction team
Our underwriters understand timelines, budgets, and GC qualification — we review your project, not just your W-2.
Who it's for
Spec builders
Investors building new 1-4 unit residential properties to sell for profit on completion.
Build-to-rent developers
Builders constructing rentals, exiting into long-term DSCR financing once leased.
Infill investors
Operators adding new 1-4 unit inventory on vacant lots in established neighborhoods.
Eligibility checklist
- 1-4 unit residential, new construction, non-owner-occupied
- Titled lot or land under contract
- Approved plans, permits, and a construction budget
- Qualified general contractor
- Realistic ARV and construction timeline
From application to funding
A clear, five-step path. We move at your pace — and as fast as 7 days when the deal is ready.
- 01
Apply
Submit a short pre-qualification form. No upfront fees, no hard credit pull — tell us about your deal.
- 02
Get a Term Sheet
Receive a clear term sheet with rates, LTV, and terms — usually within 24 hours of review.
- 03
Underwriting
Our in-house underwriting team reviews the property and your project. Decisions are made directly — no middleman.
- 04
Close
Sign and close on your timeline. We coordinate with title so closing happens as fast as 7 days.
- 05
Fund
Funds are wired and, for rehab builds, draws release as your milestones are verified. You get to work.
Estimate your loan
Get a ballpark for your deal before you apply. Your term sheet is the real quote.
Loan Estimator
Ballpark numbers — your term sheet is the real quote.
Estimates only, not a commitment to lend. Final terms depend on property review and underwriting.
Ground Up Construction Loans FAQ
Short-term financing that covers land or lot acquisition plus the vertical cost to build new 1-4 unit residential properties. Funds release through a draw schedule as construction progresses, and you exit by selling or refinancing.
Typically across 5 to 7 stages — site work/foundation, framing, dry-in, MEP/rough, drywall/finish, final. Each draw is inspected and verified before funds are wired.
Up to 85% loan-to-cost, covering land acquisition and hard construction costs. Soft costs and interest reserves may be financed subject to the overall LTC limit.
Yes — a licensed, qualified GC (or a demonstrated owner-builder track record) is required so the budget and timeline are credible and draws stay on schedule.
Most investors sell the finished units or refinance into a long-term DSCR rental loan once the property is leased and stabilized. We'll help you plan the exit up front.
Apply for Ground Up Construction Loans
No upfront fees, no hard credit pull. Get a clear term sheet from a direct lender — usually within 24 hours.