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Ground- Up Construction

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Ground Up Construction

Up to 85% LTC (land and construction) Up to 70% of the After-Build Value.

Construction Loans provide builders and investors the financing they need for ground-up construction and land acquisition. Ground Up Program Experienced Developer Program (3+ Similar Past Projects)

  • Ideal for build-ready infill, tear down, and spec homes in urban locales
  • Not for trac homes
  • Mid Construction financing options available
  • Loans available for single family and multifamily properties
  • 12 or 24 month loan term
  • Experience developers with 3+ similar projects eligible for higher leverage
  • Foreign National eligible

Credit Starting at 620 Up to 90% LTV

  • Maximum Loan To Arv: Up to 70%
  • Recourse: Full Recourse
  • Experience
  • Previous Real Estate Experience Required: 1-2 Ground Ups
  • Gcs If Experience If Permits Tie To Ground Ups
  • Guarantors With No Experience Permitted On A Case By Case Basis
  • Previous Real Estate Experience Required: 3+ Similar Ground-Up Builds + Heavy Rehabs With Expansion. Professional Deveopment / Builder.
  • Guarantors With No Experience Permitted With Experienced Guarantor That Meets The Above Experience Criteria
  • Reserves/Escrows : Interest Reserve
  • - Minimum 1 Month
  • - Reserves/Escrows : Interest Reserve
  • Loan Amount
  • - Min: $50,000
  • - Max: $5,000,000
  • Term Length
  • - 12 Months, Up To 18 At Lender Discretion
  • - 12 Months, Up To 24 At Lender Discretion
  • Permitted Property Types. Eligible:
  • - Non-Owner Occupied 1-4 Unit Residential
  • - Townhomes
  • - Condos
  • Permitted Property Types. Ineligible:
  • - Mixed Use Properties
  • - 5+ Unit Multifamily Properties
  • - Condotels
  • - Co-Ops / Tics
  • - Commercial Property
  • - Log Homes
  • - Properties Subject To Oil And/Or Gas Leases
  • - Operating Farms, Ranches, Or Orchards
  • - Vacation Or Seasonal Rentals
  • - Rural Properties

Our Commitment

“Driven by a passion to see our clients succeed, we at Envision Lending go beyond the transaction. We’re committed to providing personalized, hands-on support to navigate the complexities of property lending. Because when you succeed, we succeed.”