Post your ground-up construction request — lot, budget, and plan, in one listing
Ground-up construction financing covers building from the lot up — typically disbursed in draws tied to construction milestones rather than handed over as a lump sum, since the lender is funding a project that doesn't exist yet. What a lender wants to see here is usually different from a rehab deal: lot ownership or purchase terms, a realistic total build cost, a credible timeline, and often some evidence of a builder relationship or prior construction experience, since execution risk is the central question on a new build.
Rather than shopping the deal to whichever construction lenders you already happen to know, post it once — lot status, build budget, projected ARV, your experience and timeline — and every private lender on the platform who funds ground-up deals can see it. Your identity stays sealed until one of them pays $50 to claim the request and reaches out directly.
No ground-up construction requests are live right now. Be the first to post a ground-up construction request.
Post your construction funding requestWhat is ground-up construction financing?
Ground-up construction financing pays for building a new structure from the ground up, rather than buying or renovating an existing one. Because the property doesn't exist yet, lenders look closely at the plan, the budget and who is doing the building.
What investors use ground-up construction financing for
- Building a spec home to sell
- Building rental homes or small multi-unit properties to hold
- Developing a lot you already own, or one you're buying
- Replacing a torn-down structure with a new build
What lenders typically look at
Every lender is different, but these are the things that commonly come up:
- Lot ownership or purchase terms
- The total build budget, plans and permits
- The builder or general contractor, and your own construction experience
- The construction timeline
- What the finished property is expected to be worth
- Your credit and available cash
What to have ready before you post
- Lot status: owned, under contract, or still needed
- Total build cost, and the plans or permits you have so far
- Who's building, and your experience
- Projected value when finished (use the ARV field) and your timeline
Frequently asked questions
Do I need to already own the lot?
Describe your actual situation in the deal details — whether you own it free and clear, have it under contract, or need acquisition financing as part of the request. Lenders evaluate it either way.
How does draw-schedule financing work?
That's structured directly between you and the lender who claims your request — terms, draw schedules, and inspection requirements vary by lender and aren't something My Investor Loans sets or standardizes.
Do I need a builder already lined up?
It helps your deal stand out, but it's not required to post. Mention your situation — your own experience, a builder relationship, or still searching — in the description.
What if my build budget might change?
Post your best current estimate. Any adjustments happen in direct conversation with the lender who claims your request, as part of their own underwriting.
Is posting free even for larger construction deals?
Yes — posting is always free for borrowers, regardless of deal size. The $50 is paid only by the lender who claims the request.
What is a construction draw?
A draw is a payment of construction funds to you or your builder after a stage of work is finished, rather than a single lump sum up front. How draws and inspections work depends on the lender.
How is ground-up construction different from a fix-and-flip?
A fix-and-flip starts with an existing building that gets renovated. Ground-up construction starts with a lot and builds something new, which usually means more planning, permits and timeline for a lender to evaluate.
Ready to put your deal in front of lenders?
Post your request once. Participating lenders can review it, and your contact information stays private until a lender claims it. Posting is free. See how it works.
Post your construction funding requestOther types of investment-property financing
- Fix & flip loans — if you're renovating an existing building instead.
- Bridge loans — if you need short-term money to buy the lot first.
- Multifamily loans — for larger apartment properties of five or more units.
Are you a lender? Browse current requests or join the lender list.