Let’s Fund Your Next Ground Up Project!

Ground-Up Construction

Kickstart your next build with flexible construction financing. Our lending experts are ready to help you turn your vision into reality. Fill out the form below to get started.

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UP TO
9.99%
RATES FROM*
75%
LTV
21-30
DAY CLOSE
12-24
I/O OPTION
$450k up to $3M

Step 1: Submit Your Deal

Ground-Up Construction

Benefits

Why Choose Our Ground-Up Construction Loans?

Our Ground-Up Construction loans are designed for investors who need reliable, flexible funding to launch their next project. With competitive terms and up to 100% of construction costs covered, our financing solutions make it easier to start building with confidence. Whether your goal is to build properties for sale or for long-term income, our simplified approval process ensures you can focus on what matters most—delivering your vision.

Ground-Up Construction Calculator

Calculate project cost, financing, LTV, and total interest for your build.

Simple Qualifications

Are We a Good Fit?

Our Ground-Up Construction loans are designed for developers and investors embarking on new-build projects. To qualify, you’ll need

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Experience

At least 1+ completed properties.

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Credit Score

Minimum of 700

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Liquidity/Reserves

25% down payment with 3 months of reserves

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Property Type

SFR, Condo, Townhome, 1–8 Units

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Loan-to-Cost (LTC)

Financing available for up to 75% of project costs.

Get Started

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

Ground-Up Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Ground-Up Construction
Experience Required:
1+ Completed Properties
Minimum Credit Score:
700
Liquidity:
25% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
None
Closing Timeline:
21 to 30 Days
Draw Schedule:
24–48 Hours
Rate:
9.99%
Loan-to-Value LTV:
N/A
Loan-to-Cost (LTC):
75%
Loan Term:
12–24 Months Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$450k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, Up To 100% Construction Costs
Number of Units:
1 to 8 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About Elevate Mortgage

I’m a mortgage professional with over 5 years of experience helping real estate investors access fast, flexible financing—without the hassle of traditional banks. I specialize in DSCR (Debt Service Coverage Ratio) loans, which are based on the property’s cash flow, not your personal income or tax returns.

With direct access to over 100 lenders, I tailor solutions to fit your unique investment goals—whether you’re buying your first rental or refinancing a large portfolio. My mission is simple: make financing smooth, strategic, and built for long-term success.

Outside of work, I’m a proud foodie, traveler, and sports enthusiast. My wife and I explore a new country every year, and I bring that same curiosity and dedication to every client I serve.

If you're ready to work with someone who understands your vision and gets the deal done—you’re in the right place.
Let’s grow your real estate empire, together.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000