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
7-22
DAY CLOSE
12-24
I/O OPTION
$350k up to $5M

Step 1: Submit Your Deal

Ground-Up Construction

Benefits

Why Choose Our Ground-Up Construction Loans?

DSCR Loans Direct’s 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

No prior experience required.

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Credit Score

Minimum of 660

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Liquidity/Reserves

10% down payment with 1–3 months of reserves

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Property Type

Single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties.

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Loan-to-Cost (LTC)

Financing available for up to 90% 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
Any
Minimum Credit Score
660
Liquidity/Reserves
10% Down, 1–3 Months Reserves
Prepayment Penalty
Optional
Closing Timeline
7 to 22 Days
Draw Schedule
24–48 Hours
Rate
9.99%+
Loan-to-Value (LTV)
75%
Loan-to-Cost (LTC)
Up to 90%
Loan Term
12–24 Months Interest Only
Asset Types
SFR, Condo, Townhome, 2–4 Units
Loan Amounts
$350,000 to $5,000,000
Product Specifics
Non-owner-occupied, up to 100% construction costs
Number of Units
1–4 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 DSCR Loans Direct

At DSCR Loans Direct, real estate is more than a business — it’s a lifelong passion. I grew up in a private lending family and spent the last 40 years hands-on in real estate investing, from light cosmetic updates to full property renovations and long-term rental holdings. I know what it takes to get projects across the finish line because I’ve been in your shoes.

With certifications as a PMP, Scrum Master, and Agilist 5, I combine real-world experience with structured project management. My goal is simple: to provide fast, flexible, and honest financing that helps investors succeed — just like I would want for myself.

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