Guides and analysis on new construction for real estate investors.
On a ground-up construction loan, your down payment is set by LTC and an ARV cap, not a simple percentage of a purchase price. Here is how the three measures work together and why the same deal gives different answers at different LTC tiers.
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A ground up construction loan for an investor is underwritten on the project, not on personal income. Six things go into the file: builder resume, approved plans, a line-item hard cost budget, contingency reserve, subject-to appraisal, and documented equity. Miss one and the file stalls.
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Private construction loan rates for real estate investors run roughly 10% to 14% in 2026, interest-only on drawn balances. The consumer rates Google shows you are a different product for a different borrower. This post covers the investor version: the four levers that move your rate and how to model carry cost correctly.
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Ground up construction money is released backwards: you pay the subs, an inspector verifies the work, then the lender reimburses you. Here is the draw schedule, the cash float it creates, and the ratio that actually sets your down payment.
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