GROUND UP CONSTRUCTION LOANS

Build From The Ground Up. Fund With Confidence.

Rates Starting at 8.99%*

Levine Capital's Ground Up Construction Loans give real estate investors the leverage and flexibility to break ground faster. Competitive terms, investor-first underwriting, and capital structured around your 1-4 unit residential build.

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Up to 75% LTC

60% if unpermitted, plus 100% of construction costs

Portfolio Loans

Eligible for multi-property investors

$50K - $3MM

Loan amount range per project

Why Investors Choose Levine Capital

Private capital built around how serious real estate investors actually operate.

Fast, Reliable Closings

In-house underwriting and decisive capital deployment get you to the closing table in days, not weeks.

Flexible, Deal-Driven Terms

Loan structures tailored to your project economics, timeline, and exit strategy, not a one-size-fits-all rate sheet.

Competitive Pricing

Rates starting at 8.99% with leverage and pricing that keep your margins intact through completion.

Experience-Based Programs

Dedicated tracks for new investors and seasoned developers, with capacity to scale across portfolios.

Flexible Terms

Ground Up Construction Programs

Two purpose-built programs designed around your track record and project scope.

Ground Standard

Built for emerging real estate investors entering ground-up construction

Up to 85%

of total project costs

Experience 1-2 prior ground-up builds required; GCs accepted when permits tie to ground-ups. Guarantors with no experience considered case-by-case.

Max Loan-to-ARV Up to 70%

Recourse Full Recourse

Reserves / Escrows Minimum 1 month

Term Length 12 to 18 months

Property Count Min 1 / Max 2

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Eligible & Ineligible Property Types

Eligible

✓Non-owner occupied 1-4 unit residential✓Townhomes✓Condos

Ineligible

✗Mixed use✗5+ unit multifamily✗Condotels✗Co-ops / TICs✗Commercial✗Log homes✗Oil & gas lease properties✗Operating farms, ranches, and orchards✗Vacation and seasonal rentals✗Rural properties

New Program

Modular Home Construction Financing

Bringing a modular build to market? We finance modular home projects nationwide under our Ground-Up Construction program.

✓FICO 650+

✓Up to 85% LTC / 65% ARV

✓Available Nationwide

✓Minimum Loan Amount: $300K

Submit a Modular Deal

Where We Lend

Nationwide coverage across our active lending markets.

Fund Your Next Build Without Tying Up Your Own Capital

Get a fast, no-obligation quote from a lender that closes when it counts.

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(772) 732-0757 | loans@levinecapital.com

* Non-owner-occupied loans only. All products are intended for residential investment properties.

** Rates shown reflect the lowest available pricing. Actual rates and terms are subject to approval criteria including FICO, experience, ownership duration, and other underwriting factors.

*** Levine Capital does not currently lend in: Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont.

Buyer's Information

Why Choose Levine Capital?

Streamlined Pre-Approval

Exclusive Promotions

Instant Term Sheets

Tailored Inventory