Skip the Suits, Build from Dirt – The Ground-Up Loan Built for Real Investors

Let’s face it—if you’re building a property from the ground up, the last thing you need is to be in a conference room being asked what an easement is. You need capital. Fast. Flexible. And from someone who understands that blueprints mean business.

Welcome to Ground-Up Construction Loans. A tool for real estate investors and builders who don’t have the time (or patience) for traditional financing. 

Ground-Up Construction Loan Simplified

A Ground-Up Construction Loan is a short-term loan designed to fund an entire real estate development project from scratch. We’re talking raw land to a completed structure, whether that’s a single-family home, townhome, condo, or multifamily building.

Unlike your traditional lender, we don’t freak out over dirt. We fund deals fast, with custom terms tailored to real estate investors, not spreadsheet jockeys.

What Can You Finance?

With the right lender (hint: LenderX.Ai), you can finance:

1. Land Purchase – If you don’t already own it
2. Horizontal Development – Grading, roads, utilities
3. Vertical Construction – From slab to shingles
4. Soft Costs – Architecture, permits, plans
5. Interest Reserves – So you’re not paying out-of-pocket during the build

Who Uses These Loans (AKA Smart Investors)?

The people who use these loans are investors and developers building single-family homes, multi-family rentals, condos or townhouses, and spec builds for sale or rental. In short: people who want to move quickly, preserve cash, and avoid months of bank paperwork.

It’s A Numbers Game

Let’s take a deeper look at the loan terms and its details.

Loan Amount: $250,000-$5m+
Loan Term: 12-24 months (extensions available)
Loan-to-Cost (LTC): 75%-85% of total budget
Loan-to-Value (LTV):  65%–70% of After-Completed Value (ACV)
Interest Rate: 9%–12%+
Draw Schedule: Funds released in stages by milestone (foundation, framing, etc.)
Repayment: Interest-only during construction, with a balloon payment at sale or refinance. 

Step By Step & How it Works

Pre-Approval / Term Sheet: LenderX.Ai reviews your budget, plans, land value, and experience.
Underwriting: Appraisal of After-Completed Value (ACV), construction timeline, and budget review.
Closing: Initial draw goes out—typically to cover land or pre-construction costs.
Construction Phase: Money is released in phases as work is completed and verified by inspections.         Exit Strategy: You sell or refinance the completed property, repay the loan, and (hopefully) pocket six figures.

Why LenderX.Ai is the Go-To Lender

If you’re building something real—skip the lender who’s more worried about your polo shirt than your pro forma. Ground-up construction requires speed, vision, and capital from a lender who actually understands dirt. LenderX.Ai funds real projects, not pipe dreams. No ankle-showing. No wristwatch flexing. Just straight-up capital, on your terms.

Click here to get in touch and get a quote today!