Ground-Up Construction Loans: Build with Confidence
Complete financing solutions, from land purchase to final project completion.
Tailored Solutions for
Skilled Builders and
Developers
WHO BENEFITS FROM GROUND-UP CONSTRUCTION LOAN
Our ground-up construction loans are specifically designed for seasoned builders and developers focused on residential projects. These loans finance both land acquisition and construction expenses, empowering you to complete projects efficiently and maximize profitability.
Experienced
Builders
Demonstrated success in completing construction projects.
Residential
Developments
Financing for single-family homes and small multifamily projects.
Portfolio
Expansion
Flexible capital to support strategic growth initiatives.
KEY FEATURES
Financing Structured for
Project Success from Day One
Our ground-up construction loans offer flexible terms and competitive rates, providing the financial foundation builders need at every stage — from land acquisition through final project completion.
• Property Type:
Residential properties with 1–4 units (projects with 5 or more units considered on a case-by-case basis).
• Maximum Loan-to-Cost: Up to 85% of the purchase price.
• Loan Term: Up to 18 months, with an optional 6-month extension.
• Maximum Loan-to-ARV: Up to 75%.
• Interest Rate: Starting at 8.75% (interest-only payments).
Fast, Flexible Financing for Your Real Estate Projects
Unlock tailored financial solutions for property acquisition, renovation, and development with Rhino Capital.
Apply for Financing
Complete our simple online application with ease.
Rapid Approval
Receive approval for your property investment financing within 7 days.
Quick Access to Funds
Secure funds promptly for your acquisition, renovation, or development needs.
Application Requirements
Understand the necessary criteria to apply.
Project Experience:
Completion of at least 3 previous construction or rehabilitation projects.
Bank Statements:
Most recent 3 months of bank statements.
Identification:
Valid government-issued ID, passport, and U.S. visa for foreign nationals.
Entity Documents:
LLC or Corporation documents, including EIN and Operating Agreement.
Rehabilitation Budget:
Detailed budget for renovations (if applicable).
Liquidity/Reserves:
Proof of 6 months’ worth of liquidity or cash reserves.
Occupancy Certification:
Certification confirming non-owner occupancy.
SSN:
Required for credit report and background check.
Insurance Evidence:
Evidence of full replacement insurance with $500,000 liability coverage, and builder’s risk insurance if applicable.
Credit Score:
Minimum FICO score of 700.
Loan Application:
Completed and signed application form.
FAQ's
No, ground-up construction loans are designed to cover both land acquisition and construction costs.
You have the option to refinance into a DSCR loan or other long-term financing solutions.
Loan terms can be extended for up to 6 months, subject to evaluation and approval.
No, loans can be paid off early without any penalties.