Ground-Up Construction Loans

Flexible Private Construction Financing for Real Estate Investors Nationwide

   At Creare Capital Lending, we specialize in Ground-Up Construction Loans designed for real estate investors and builders who are ready to take a project from blueprint to completion. Whether you’re constructing a single-family home, multifamily project, or mixed-use development, our private construction financing programs offer fast approvals, flexible terms, and funding tailored to your project’s needs — without the strict requirements of traditional banks.


   Our streamlined lending process allows developers and investors to focus on building while we handle the funding — from land acquisition to vertical construction and completion.

Program Highlights

Loan Amounts:  $100,000 – $10,000,000+

Up to 90% Loan-to-Cost (LTC)  and 90% Loan-to-Value (LTV)

Interest-Only Payments During Construction

Terms:  12–24 Months (Extensions Available)

Funding for Land Purchase and Vertical Construction

No Income Verification Required

Foreign Nationals Eligible

Fast Closings – As Little As 2 to 4 Weeks

Nationwide Lending Coverage


Our goal is to help investors build faster, scale smarter, and increase returns with simple, transparent, and flexible private construction loans.

Who Are Ground-Up Construction Loans For?

These loans are ideal for:

  • Real estate investors and developers seeking new construction financing
  • Builders looking to expand their portfolio of residential or multifamily properties
  • Borrowers who may not qualify for conventional construction loans due to income verification requirements
  • Experienced investors looking to leverage land equity or refinance construction projects mid-build

   Whether you’re an established builder or a first-time investor starting a new development, Creare Capital Lending can customize a funding solution that matches your goals and timeline.


What Is a Ground-Up Construction Loan?

   A Ground-Up Construction Loan provides financing for real estate investors to purchase land and build a new property from the ground up. Unlike traditional mortgages that focus on completed properties, these loans are structured around the project’s total cost, after-repair value (ARV), and construction budget.

   At Creare Capital Lending, we fund residential, multifamily, and commercial new-build projects based on the asset’s potential value — not personal income verification, tax returns, or W-2s. Our asset-based approach makes it possible for experienced builders and investors to access the capital they need quickly and efficiently.

Who Qualifies for a DSCR Mortgage?

You may qualify for a DSCR loan if:

  • You are self-employed or have variable income.
  • You own or are purchasing rental income-producing properties.
  • You have a credit score above 600 and cash reserves.
  • You’re looking for fast approvals without full documentation.


   Instead of verifying income through tax returns or pay stubs, Creare Capital Lending qualifies you based on your Debt Service Coverage Ratio (DSCR) — the property’s ability to generate enough income to cover the monthly mortgage payment.

Benefits of DSCR Mortgage Loans

  • Simplified Approval Process: No tax returns or W-2s required. We base approval on your project, not your personal financials.
  • Fast, Reliable Funding: Close quickly so your crew and contractors can start immediately.
  • Flexible Draw Schedules: Funds are released as construction milestones are completed.
  • Higher Leverage: Build more projects simultaneously with less out-of-pocket capital.
  • Dedicated Lending Experts: Our team works with you from underwriting to final draw to ensure a seamless funding experience.

Why Choose Creare Capital Lending

   As a leading nationwide private money and NON-QM mortgage lender, Creare Capital Lending offers a combination of speed, flexibility, and reliability unmatched by traditional banks. We understand the challenges real estate investors face — from tight timelines to changing market conditions — and we design financing solutions that help you build with confidence.

   When you work with us, you’re partnering with a lender that values relationships, transparency, and results.


Start Building With Creare Capital Lending


Ready to break ground on your next investment property?

   Our Ground-Up Construction Loan programs are designed to make financing simple, fast, and reliable — whether you’re building a single-family home or a multi-million-dollar development. Apply Now to connect with a Creare Capital Lending loan officer and receive your personalized construction loan quote today.

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Frequently Asked Questions (FAQ)

  • What types of properties qualify?

    We can finance:

    • Single-Family Homes
    • Multifamily Projects (2–30 Units)
    • Condominiums and Townhomes
    • Mixed-Use Properties
    • Spec Homes and Luxury Builds

  • What is the minimum credit score required for a Ground-Up Construction Loan?

    Typically, a credit score of 650 or higher is recommended, though we evaluate each project individually based on experience and collateral.

  • Do you finance both land and construction?

    Yes. Our Ground-Up Construction Loans can cover land acquisition, construction costs, and soft expenses associated with the build.

  • Can I get 100% financing?

    While full 100% financing isn’t available, we offer up to 75% of total project costs and allow flexibility for land equity to count toward your contribution.

  • How are funds released during construction?

    Funds are distributed in draws tied to specific construction milestones — ensuring smooth progress throughout your project.

  • How fast can I close on a Ground-Up Construction Loan?

    Most loans close in 2–4 weeks, depending on documentation and project complexity.