Loan program
Ground-up construction loans
Build financing for investors and small developers — from infill lots to spec homes — with draw schedules tied to construction milestones.
How construction financing works
A ground-up loan typically funds part of the land acquisition plus the vertical construction budget, released in draws as each stage passes inspection: foundation, framing, mechanicals, finishes. Terms run 12–24 months with interest typically charged only on funds as they're drawn.
Exit options mirror the flip world: sell the finished product, or refinance into a DSCR rental loan and hold it as an income property.
What lenders look for
A realistic budget, a permitted (or permit-ready) plan, and a builder who has finished projects before — either you or your general contractor. Michael's three decades around Southern Nevada dirt work, materials, and site operations mean your budget gets a knowledgeable first read before it ever reaches a lender.
Typical parameters
- Loan amount
- $100K – $5M+
- Term
- 12 – 24 months
- Loan-to-cost
- Up to 85%
- Land funding
- Case-by-case
- Draws
- Milestone-based
- Interest
- On drawn funds
- Experience
- Builder or GC track record
- Exit
- Sale or DSCR refinance
Ranges vary by lender, deal, and borrower experience — every quote is personalized.
Common questions
Do I need to be a licensed contractor?+
No — but your general contractor's track record matters. First-time developers pairing with an experienced GC get placed regularly.
Can the loan cover the land purchase?+
Often partially, especially if the land is already entitled or permitted. Owned-free-and-clear land can count toward your equity in the project.
How do construction draws work?+
Funds release per milestone after inspection — foundation, framing, mechanical, finish. You front each stage or use the draw at stage completion, depending on the lender.
Ready to fund your next deal?
Whether it's your first flip or your fiftieth — send the deal over for a free, no-obligation review.
Submit your deal