Ground-Up Construction

Ground-Up Construction

Ground-Up Construction

Construction financing for builders and investors taking a project from lot to finished product. Funds cover land acquisition and up to 100% of the construction budget, with interest-only payments while you build.

Construction financing for builders and investors taking a project from lot to finished product. Funds cover land acquisition and up to 100% of the construction budget, with interest-only payments while you build.

Up to 90%

LOAN-TO-COST

Up to 75%

LOAN-TO-ARV

100%

BUILD BUDGET

From 9.375%

RATE

Built for

Who this program is built for.

A quick read on the borrowers and deals this program fits best.

01

Builders adding spec homes or infill product

02

Investors replacing tear-downs with new construction

03

First-time builders: eligible at up to 75% LTC / 60% LTARV while you establish a track record

Program details

Everything on this program, in one place.

Loan amounts

$75K – $5M

Term

6 – 18 months, interest-only

Prepayment penalty

None

Credit

FICO from 660

Draws

Construction budget funded in draws

Experience

First time builder programs available. 3+ completed builds unlocks max leverage

Up to 90%

LOAN-TO-COST

Up to 75%

LOAN-TO-ARV

100%

BUILD BUDGET

From 9.375%

RATE

Built for

Who this program is built for.

A quick read on the borrowers and deals this program fits best.

01

Builders adding spec homes or infill product

02

Investors replacing tear-downs with new construction

03

First-time builders: eligible at up to 75% LTC / 60% LTARV while you establish a track record

Program details

Everything on this program, in one place.

Loan amounts

$75K – $5M

Term

6 – 18 months, interest-only

Prepayment penalty

None

Credit

FICO from 660

Draws

Construction budget funded in draws

Experience

First time builder programs available. 3+ completed builds unlocks max leverage

Up to 90%

LOAN-TO-COST

Up to 75%

LOAN-TO-ARV

100%

BUILD BUDGET

From 9.375%

RATE

Built for

Who this program is built for.

A quick read on the borrowers and deals this program fits best.

01

Builders adding spec homes or infill product

02

Investors replacing tear-downs with new construction

03

First-time builders: eligible at up to 75% LTC / 60% LTARV while you establish a track record

Program details

Everything on this program, in one place.

Loan amounts

$75K – $5M

Term

6 – 18 months, interest-only

Prepayment penalty

None

Credit

FICO from 660

Draws

Construction budget funded in draws

Experience

First time builder programs available. 3+ completed builds unlocks max leverage

Run the Numbers Before You Run the Deal.

Compare Build to Sell and Build to Rent scenarios before you commit to a project.

UPPERHAND CONSTRUCTION SNAPSHOT

Ground-Up Construction Calculator

Estimate project cost, leverage, and returns for a build-to-sell or build-to-rent project.

Unit Count is locked to 1 for Single Family.
Exit Strategy
Land Ownership

Frequently Asked Questions (FAQ’s)

What loan programs does Upperhand offer?

Does Upperhand arrange loans for primary residences?

What geographic areas and property types are covered?

What is expected of a borrower during the financing process?

What loan programs does Upperhand offer?

Does Upperhand arrange loans for primary residences?

What geographic areas and property types are covered?

What is expected of a borrower during the financing process?

Apply Today

Apply Today

Take the next step in your investment journey with a trusted, reliable advisor that has your best interest in mind. Get in touch or request a free quote today.

Take the next step in your investment journey with a trusted, reliable advisor that has your best interest in mind. Get in touch or request a free quote today.