Ground-Up Construction Loans for Real Estate Investors

ICG10 Capital provides ground-up construction loans for real estate investors building spec homes, infill projects, mixed-use, multifamily, and even large residential developments. Finance land + vertical construction with a streamlined draw process designed for faster starts, predictable funding, and on-time completions.

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Higher Leverage

Maximize your deal flow with industry-leading LTVs and flexible structures.

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Competitive Rates

Rates structured around leverage and experience - built for serious investors.

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Faster Closings

Close in as little as 2 weeks with streamlined underwriting and rapid rehab draws.

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75% of Land

We'll often go up to 75% of your land value, making our program the most competitive for your needs.

100% of Construction

We know higher leverage means more deals for you. So we also finance up to 100% of your construction costs, if needed.

Flexible Options

We fund spec homes, 1-4 units, mixed-use, subdivisions, and multifamily, with tailored solutions based on your specific case.

Low Prepayment Penalty

Tired of paying those prepayment penalties for finishing your project early? That's fine. We generally have low penalties, if any.

Low Credit

If you're worried about your credit score to qualify, don't! We can lend to borrowers with credit scores as low as 650.

Experience Friendly

Having more experience means favorable pricing. But if you don't have the track record, we'll lend to you competitively too.

Construction Loans Built for Real Estate Investors

ICG10 Capital provides ground-up construction financing for investors and builders developing residential projects. Fund land acquisition (when applicable), vertical construction, and a clear draw process to keep your project moving from foundation to CO.

When a Construction Loan Makes Sense

Spec Homes: Build-to-sell projects with timeline-driven funding.
Infill Construction: Urban/suburban lots where speed and certainty matter.
1-4 Unit New Builds: Single-family and small residential development.
Large Multifamily & Mixed-Use: Select projects based on market and sponsor strength.
Land + Build (when eligible): Structure financing around total cost and budget.

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How Construction Funding Works (Simple + Clear)

Apply with plans + budget

Share the address, scope, line-item budget, and your timeline.

Get preliminary terms

Terms are structured around total LTC, experience, and the project profile.

Close + start construction

Finalize underwriting, close, and begin work with a clear draw schedule.

Draws as work is completed

Receive construction draws based on progress to keep subs and materials moving.

Bridge Fix & Flip Rental / DSCR

Need construction terms fast?

Apply in 1 minute and get a quick review from our team.

Start Application Call 954.798.0726

Construction Loan FAQs

Quick answers to common questions builders and investors ask about ground-up construction financing, draws, and timelines.

What is a ground-up construction loan?

A ground-up construction loan finances the cost to build a new property from the ground up. Funds are typically disbursed in stages (draws) as construction progresses, based on inspections and completed work.

Can construction loans include land acquisition?

In many cases, yes. Construction financing can be structured to include land purchase (or land payoff) plus vertical construction, depending on the project, budget, and total LTC.

How do construction draws work?

Draws are released as work is completed. You submit a draw request, an inspection verifies progress, and funds are disbursed so you can pay contractors, subs, and materials vendors.

What property types do you finance?

Construction loans commonly cover spec homes, infill builds, 1-4 unit residential projects, subdivisions (even built-to-rent), multifamily and mixed-use projects.

What do you need to quote a construction loan?

The fastest start includes: property address, purchase contract or land payoff (if applicable), plans/specs, line-item budget, estimated timeline, and basic borrower/entity information.

How long are construction loan terms?

Construction terms vary by project scope and timeline. Many construction loans are structured for 12-18 months, with extensions possible depending on the file and progress.

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