California Ground Up Construction Loans for Builders & Investors
A ground up construction loan that finances both lot acquisition and construction in one solution, built for experienced/novice builders and real estate investors.
- Finance land acquisition and construction costs
- Up to 65% on land value, up to 95% on construction costs
- 12- and 18-month interest-only options
- No income documentation options available
- LLC ownership permitted
- SPEC and Build-to-Rent projects eligible
- Project Feasibility & Builder Experience
Tell us more about your Ground Up Construction deal
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Construction Financing Tailored for
California Builders
Land & Construction in One Loan
Fund the lot purchase and construction through a single land and construction loan. Already own the lot? We can use your land as collateral.
Interest-Only Payment Options
12- and 18-month interest-only construction loan terms to preserve cash flow during the build.
No Doc, Investor-Friendly
A non-QM construction loan for builders, investors, self-employed borrowers, and LLCs. No income documentation required.
Flexible Exit Strategies
Build to sell as a SPEC home, refinance, or hold as a build-to-rent investment.
Program Highlights
California Ground Up Construction Loan Program Highlights
- Land acquisition and construction in one ground up construction loan
- Up to 65% on land value, up to 95% on construction costs
- SPEC home and Build-to-Rent financing available
- No doc options with no income documentation
- A private lending alternative when banks say no
- LLC and business entity ownership permitted
- Fast approvals and common-sense underwriting
California Ground Up Construction Loan Highlights
| Feature | Florida DSCR Loan |
|---|---|
| Loan Type | DSCR Loan for Rental Property Investors |
| Qualification | Based on Rental Income (DSCR Ratio) |
| Loan Amounts | Up to $3,000,000 |
| Property Types | 1–10 Unit Rental Properties |
| Documentation | No Personal Tax Returns Required |
| Use Cases | Purchase, Rate-Term Refinance, Cash-Out Refinance |
California Ground Up Construction Loan Program
By focusing on the strength of the project rather than your income documentation, we help experienced builders access capital efficiently. Whether you’re building a SPEC home, a build-to-rent property, or an investment construction project for resale, our land and construction loan moves your project forward.
Our program offers:
- DSCR loans for investment properties
- DSCR mortgage loans for rental properties
- Commercial DSCR loan options for investor portfolios
- Cash-flow based loan approvals without tax returns
Whether you’re buying your first rental property or expanding your real estate portfolio, our Florida DSCR loan program provides flexible financing based on the income generated by the property.
How Ground Up Construction Loans Work
- Rental property investors
- Real estate portfolio investors
- Investors purchasing 1–10 unit properties
- Short-term rental investors
- Investors expanding real estate portfolios
Florida DSCR Loan Pricing,
Simplified With Lendy
Lendy is our smart, always-on digital assistant built just for DSCR loans. Whether you’re buying a rental, refinancing, or expanding your portfolio, Lendy helps you explore the right loan options, based on your scenario, in minutes.
