First-time investor
- Credit 660–69970% LTV
- Credit 700–71975% LTV
- Credit 720+80% LTV
Construction · Direct lender · Money in steps
Ground-Up Construction Loans money that arrives before your crew leaves
For empty land, a tear-down, or a build you plan to sell. We pay for the land and the build in steps as you finish each part. We use our own money, so we decide when to release funds — not a bank committee.
- 5 min
- Terms
- 4 hrs
- Decision
- 48 hrs
- Fastest fund
- 9-15 days
- Typical close
Underwriting
What you can actually borrow to build
Ground-up runs on the Bridge track, so the full advance is in reach the moment your track record is. What changes by loan type is the advance rate — the structure underneath is the same.
1–2 projects
- Credit 660–69975% LTV
- Credit 700–71980% LTV
- Credit 720+85% LTV
3–5 projects
- Credit 660–69980% LTV
- Credit 700–71985% LTV
- Credit 720+90% LTV
6–9 projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+93% LTV
10+ projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+95% LTV
Ground-up needs a costed build schedule and a defensible completed value. Without both, there is nothing to size the loan against.
The full 100% LTC advance sits on Fix & Flip: 3+ completed projects and a loan of $1,000,000 or less.
Credit below 660? Your property still matters.
The experience grid starts at 660.
Below that score we look more closely at the property type and the strength of the deal. The asset carries more of the risk.
- Multifamily80%
- Retail70%
- Single-family90%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
Are you an ITIN or foreign-national investor?
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
How the money is released
Four simple steps.
01
Plan set at the start
At closing we agree each build step and when we check the work, so you know what unlocks each payment.
02
You finish a step and ask for money
In the dashboard, with photos and the inspection.
03
We check and send the money
Our money, our decision — usually in 24–48 hours, not weeks.
04
When the build is done, you can hold the property
The next loan after the build is planned on day one — not rushed months later.
Ground-up construction loans
For empty land, a tear-down, or a build you plan to sell. We pay for the land and the build in steps as you finish each part. We use our own money, so we decide when to release funds — not a bank committee.
- Time to release money
- 24–48 hrs
- Max loan to cost
- 100%
- Loan length (then hold loan)
- 12–36 mo
Who qualifies
Business-purpose ground-up builds — empty land, tear-downs, and projects you plan to sell or refinance into hold.
Eligible
A fit for this program
- Builders and sponsors building homes or projects to sell
- Investors tearing down and rebuilding on the same lot
- Developers on small lots and ground-up speculative builds
- Owners adding units on land they already own
- Entity and LLC borrowers on business-purpose transactions
- One facility covering both land and building — priced against the completed value (ACV)
- Milestone draws against a costed build schedule
Not eligible
Outside this program
- Building a home you will live in yourself
- Consumer-purpose or owner-occupied primary residence loans
- Loans under $100,000
- Projects with no clear budget and no defensible finished value
- Deals without a credible exit — sell or refinance into hold
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
Frequently Asked Questions
Straight answers on draws, completed value, and what we ask for.
Up to 95% on the Bridge track, set by your completed projects and credit score — 95% for a sponsor with ten or more projects and a 720+ score. Priced against the value once built (ACV). 100% LTC is available only on qualified Fix & Flip (3+ completed projects and a loan of $1,000,000 or less).
Money is released in stages against your build schedule, as each milestone is verified — so you are not paying interest on capital that has not been put to work yet.
Three numbers: the purchase price or lot basis, the construction budget, and the value once built. That completed value is what the loan is sized against.
Yes. The land and the build are funded in one facility, so you are not raising a second round halfway through the job.
Refinance into stabilization and hold for up to 36 months with no new application, or sell. The exit is part of the structure, not an afterthought.
No. All CR Equity AI loans are business-purpose. We do not lend on an owner-occupied primary residence.
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
Late money costs you a crew.
Two minutes to apply, soft credit check, terms in 5 minutes.
- 24–48 hrs
- Time to release money
- 100%
- Max loan to cost
- 12–36 mo
- Loan length (then hold loan)