Let's Fund Your Next Ground Up Project!
Ground-Up Construction
Kickstart your next build with flexible, investor-focused construction financing. Our lending experts are ready to help you fund new projects with efficient approvals and adaptable terms. Complete the form below to get started, and we’ll connect to review your plans and next steps.
UP TO
75%
LTV
7-22
DAY CLOSE
12-24
I/O OPTION
$400K UP TO $20M
Apply Now!
Ground-Up Construction
Why Choose Our Ground-Up Construction Loans?
Our Ground-Up Construction loans are designed for investors seeking reliable capital to launch new development projects. With flexible structures and competitive terms, our financing supports builds intended for resale or long-term rental income. From initial plans through completion, our streamlined approval process helps you focus on execution while we handle the financing.
Ground-Up Construction Calculator
Calculate project cost, financing, LTV, and total interest for your build.
Please fill in all fields to calculate.
Simple Qualifications
Are We A Good Fit?
Our Ground-Up Construction loans provide flexible financing for investors building residential or income-producing properties from the ground up. To qualify, you’ll need:
Experience
2+ Completed Properties
Credit Score
Minimum of 700
Liquidity/Reserves
25% down payment with 1–3 months of reserves
Property Type
SFR, Condo, Townhome, 1–15 Units
Loan-to-Cost (LTC)
Financing available for up to 75% of project costs.
Get Started
Apply Now
Begin your Journey today!
Key Loan Terms for Real Estate Investors
Ground-Up Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
Ground-Up Construction
Experience Required:
2+ Completed Properties
Minimum Credit Score:
700
Liquidity:
25% Down
Reserves:
1-3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
7 to 22 Days
Draw Schedule:
24–48 Hours
Loan-to-Value LTV:
75%
Loan-to-Cost (LTC):
Up to 75%
Loan Term:
12–24 Months Interest Only
Asset Types:
SFR, Condo, Townhome, 1–15 Units
Loan Amount Min:
$400k
Loan Amount Max:
$20M
Product Specifics:
Non-Owner-Occupied, Up To 100% Construction Costs
Number of Units:
1 to 15 Units
Your Trusted Partner for Construction Lending
Ground-Up Ready:
Designed for experienced builders with 2+ completed projects.
High Leverage:
Finance up to 75% of project costs and up to 100% of construction.
Fast Draws:
Access funds within 24–48 hours to keep your build on track.
Flexible Terms:
Enjoy interest-only payments with loan terms up to 24 months.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
