Ground Up Construction

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 1-4 unit residential investment properties. Featuring fast closings and common-sense underwriting. Our 100% Premier Ground Up product is a quick, smart and effective alternative for financing construction costs prior to transitioning into a long-term loan.


1. This loan is approved based on ground up experience, cash for closing + 6 months reserves, credit and income.

a. At least 1 verifiably completed ground up within the most recent 12 months.

2.  Land must be purchased in advance, have a foundation poured with permits approved for building.

b. RFG may refund the cost of the foundation as part of the total loan subject to appropriate ARV limit. Experienced 1-4 family builders may qualify for refund of land purchase price.

FICO ≥ 700

Term: 8, 12, or 18-month loan

100% Rehab Financing

70% ARV

FICO < 700 – 660

Term: 8, 12, or 18-month loan

100% Rehab Financing

65% ARV

Ground Up Construction


Closing times typically 10-14 business days

Call for rate/program with FICO < 660

Loan size $50,000 – $1,000,000

Your choice on level of transaction involvement

Interest as drawn for construction >$100,000