Ground-up Construction

Straightforward construction loans for real estate developers and builders
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Ground-up Construction

Financing for residential real estate developers
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Interest rate
11.5-13.25%
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Origination Fee
from 1.5%
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Loan To Cost (LTC)
up to 90%
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Construction Financing
Up to 100%
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Loan To ARV
up to 75%
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Term
12-24 months
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Minumum Loan Amount
$50,000
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Maximum Loan Amount
$3,000,000
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Minimum FICO
640

How it Works

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Step 1
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Apply Online
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~ 2mins
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Fill out a short for with info about your project and requested funding amount.
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Step 2
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Submit Deal Specs
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~ 1 hour
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Submit a project overview, rehab budget, and experience form. If you are a real estate investor doing their first development, you may need to partner with a local builder.
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Step 3
Checklist
Receive your Term Sheet
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~ 2 hours
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Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.
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Step 4
Signed Loan Document
Loan closing
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~ 14-20 days
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Within 14-20 days of your Term Sheet being signed, your loan will be funded.
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Step 5
Real Esate Profit
Rehab Draws
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~ 48-72 Hours
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Once you start construction on your property, you can submit pictures of the completed work to receive construction funds. Inspections Required.
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Step 6
Loan Payoff
Payoff
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~ 15 mins
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When you’re project is complete and we’ll send you a Payoff Statement, and your loan will be paid off.

WHERE WE LEND

Ridge Street lends in 35 States across the US. Our lending operations are based in Florida and Texas.
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Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

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I have an active deal and would like a Term Sheet

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I’d like to to get pre-approved so I can find my next deal.

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I’d like to schedule a call.

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READY TO GET
STARTED

With Ridge Street, obtaining an investment property loan is easier than you think! You can get pre-approved online and a Term Sheet that meets your needs will be sent to you within the hour.

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