Residential Ground Up Contruction Loans
We offer a Ground Up Construction program specifically for residential real estate investors. This program is a low documentation, perfect for building a spec home for sale or refinance. Program qualification are based on property values, FICO score and borrower experience. No personal income is required.
| Loan Amount | $150,000 – $5 Million |
| Loan Term | 6-24 month options |
| Time to Close | 10 to 30 Days from Deposit |
| Asset Classes | Non-owner Occupied 1-4 Family Residential Properties |
| LTC | 70-90% |
| Build Cost | Up to 100% |
| Max Loan to Completed Value | Up to 75% |
| Origination Fees | 1.50% – 3.00% (adjusted to loan size, timing, and complexity) |
| Minimum Credit Score | 650 |
| Amortization | Interest Only |
No Pre-payment penalty
No interest on the construction portion until funds have been drawn
A borrower seeking a hard money loan must meet the following generally stated minimum requirements.
| Borrower Type | Corporations, Trust or Limited Liability Companies preferred |
| Experience | Minimum of a least one rehab or ground up completed in the last 3 years |
| Cash Reserves | Minimum of 10–15% of project costs |
| Net Worth | Sufficient to support the loan and project scope |
| Credit Score | 660 or higher preferred |
| Foreign Nationals | Eligible with qualifying documentation |
| Exit Strategy | Clear plan to repay or refinance the loan is required |
Personal Documents
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Loan Application
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Driver’s License or Passport
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Personal Financial Statement
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Schedule of Real Estate Owned
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List of Real Estate bought or sold in the last 3yrs
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Most Recent Bank Statements
Property Documents
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Purchase Contract or Payoff & Current Mortgage
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Construction Budget
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Building Plans
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Survey
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GC Bio/Resume
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GC License
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Permits
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Valuation (to be ordered)
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Title & Insurance Contacts
Business Documents
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Entity Documents
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• Articles of Organization
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• Operating Agreement
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• IRS EIN Letter
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• Certificate of Good Standing
We make it easy—download all the forms you need to start your loan application, hassle-free.
Real Estate Financing Made Simple
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Growing a Rental Portfolio
Flexible long-term loans for income-generating properties.
Flipping Properties
Fast capital for purchase, rehab, and resale.
Developing Commercial Projects
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
Ready to
Get Started?
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet