Ground Up Construction Loans for Builders & Real Estate Investors

Ground Up Construction Loans for Builders & Investors

Flexible Financing for Experienced Builders & Real Estate Investors

Ground Up Construction Loans for experienced home builders. We provide funding to get your next building project off the ground. Whether you’re building to sell or creating a long-term rental portfolio, this flexible construction loan program is designed to help experienced builders and investors break ground faster and smarter.

This isn’t your average construction loan. With fast approvals, interest-only payments, and options for SPEC and build-to-rent projects, it’s tailored to support professionals ready to scale. If you’re planning to build a new home or investment property from the ground up, traditional financing often falls short. That’s where the Ground Up Construction Loan Program from the John Thomas Team comes in. Looking to get started ASAP? Call us at 302-703-0727 or APPLY ONLINE.

This program is designed to keep construction projects moving forward with:

A Seamless transition to permanent financing
Fast Approvals
Flexible Interest-Only Payment Options

Who Qualifies for Ground Up Construction Loans?

This program is built specifically for experienced builders. To be eligible, applicants must meet one of the following criteria:

Complete 3 New Construction Builds, or
Complete 2 New Builds & 1 Major Renovation (valued over $200,000)

Key Features of Ground Up Construction Loan

Finance up to 85% of total project costs (land + construction)
Up to 80% of construction costs based on approved plans and permits
Reimbursement for up to 60% of lot purchase price
No income documentation required
12-month and 18-month term options
Interest-only payments during construction
Loan Origination fees can be rolled into the loan to reduce upfront cash required
Designed for SPEC builds and build-to-rent investment properties

All construction financing is based on detailed project plans, builder experience, and a review of credit and assets—no income docs or tax returns required.

Ideal for SPEC Builders and Real Estate Investors

Whether you’re planning to sell after construction or retain the property as a rental, this program can support either strategy. Financing is available for both:

SPEC builds (build to sell)
Build-to-rent projects

This construction loan program is ideal for new home developments or investment property portfolios.

Flexible Terms, Interest-Only During Construction

With 12-month and 18-month interest-only terms, you can maintain more control over cash flow while construction is underway. This structure is ideal for managing labor and material costs without straining your monthly budget.

How Loan Approval Works

Unlike traditional construction loans that require income verification and lengthy underwriting, this program is evaluated based on:

Builder qualifications and project history
Construction plans, permits, and timeline
Credit and asset review

Everything is designed to move quickly—so you can focus on building, not chasing paperwork.

Related Program: Construction-to-Permanent Loans

Looking for one loan that covers both the build and long-term financing? Check out our Construction-to-Perm options for primary residences and custom home builds.