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Ground Up Loans

Best For: Investors interested in land intended for ground up building of 1-4 unit non-owner occupied properties looking for non-bank financing solutions.

Expand your real estate investment solutions for 2-4 unit residential investment properties. Tamoney Capital is the rental and investment property lender featuring fast closings and common-sense underwriting. Our 100% Premier Ground Up Construction Loan product is a quick, smart and effective alternative for financing construction costs prior to transitioning into a long-term loan.


  • 1. The approval for this loan is based on ground up construction experience, cash for closing + 6 months reserves, credit and income.
    a. At least 2 verifiably completed ground up within the most recent 12 months.
  • 2. Land may be purchased in advance or as part of the transaction.
    b. Experienced 1-4 family builders may qualify for refund of land purchase price. (Up to 75%)
  • FICO ≥ 680
  • Term: 12 or 18-month loan
  • 100% Rehab Financing
  • 70% ARV
  • No LTC Cap


  • Closing times typically 10-14 business days
  • Call for rate/program with FICO < 680
  • Loan size $50,000 – $3,000,000
  • Finance 100% of construction costs, 70% of purchase, up to 70% ACV (As Completed Value)
  • For investors interested In land intended for ground-up building of 1-4 units.

  • Your choice on level of transaction involvement
  • Interest as drawn for construction >$100,000
  • Liquidity Requirements:
    Must have cash for closing + 3-6 months reserves based on experience, credit and income
    Experienced 1-4 family builders may qualify for refund of land purchase price (up to 70%)
    + 15% rehab budget reserve must be available. Contact us for details.