New build
Ground-Up Construction Loans
Funding from land acquisition through final build — released in draws as your milestones are completed.
A ground-up construction loan finances a new build from raw land through completion. Funds are disbursed in draws as construction milestones are completed and verified, so the loan grows with the project instead of paying out all at once.
Construction lending is underwritten on total project cost — land plus hard and soft costs — against the completed value. Loan-to-cost (LTC) is the key ratio, and projects with meaningful builder equity are the strongest. Draws are inspected and released as each phase completes: foundation, framing, mechanicals, finishes.
RynoLending finances ground-up projects for investors and builders — spec homes, build-to-rent, and infill construction on single-family through multi-unit sites. When the build wraps, the exit is a sale or a refinance into a long-term DSCR loan for build-to-rent operators. Interest is typically paid only on funds drawn, keeping carry costs down early in the project.
At a glance
Ground-Up Construction Loans, in brief.
Covers
Land acquisition through completed build
Disbursement
Draws at verified construction milestones
Underwritten on
Total project cost vs. completed value (LTC)
Project types
Spec builds, build-to-rent, infill construction
Vesting
Individual or entity (LLC, corp, partnership)
Exit
Sale, or refinance into a DSCR loan
Who it’s for
Built for investors like you.
Questions
Ground-Up Construction Loans FAQs
Yes. We provide financing for new construction projects from raw land through completed build, with funds disbursed in draws as construction milestones are completed.
The loan funds in stages. As each construction milestone completes — foundation, framing, mechanicals, finishes — the work is verified and the corresponding draw is released. Interest typically accrues only on the funds drawn.
Yes. Ground-up construction loans can fund land acquisition together with vertical construction costs in a single facility.
Selling the completed property, or — for build-to-rent investors — refinancing into a long-term DSCR loan once the property is leased.
A credible plan, budget, and team matter most. Experienced builders unlock the best leverage, but investors with strong projects and the right general contractor are workable — share your scenario and we’ll structure it.
Keep exploring
Related loan programs
Fix and Flip Loans
Purchase-plus-rehab financing for investors renovating and reselling — funded at the speed a good deal demands.
Learn moreBridge Loans
Short-term capital that bridges the gap between securing your next property and selling the last one.
Learn moreDSCR Loans
Qualify on the property’s cash flow — not your personal income. Built for buy-and-hold investors growing a rental portfolio.
Learn moreLending in 23 states + DC — see everywhere we lend.
Ready when you are
Let’s close your next deal.
Pre-qualify in minutes — no fee, no obligation, answers within 24 hours.
Program terms, leverage, and timelines vary by scenario, property, and market conditions, and are subject to underwriting approval. RynoLending is licensed in 23 states and the District of Columbia. NMLS #2246059. This is not a commitment to lend.