Land & Vertical Construction Financing for New Residential Builds
From lot acquisition to final inspection, Blink Capital Partners finances the construction of new 1-4 unit residential properties with a draw schedule built around your build timeline.
Financing Built for Builders and Developers
Ground-up construction loans finance both the acquisition of land (or payoff of an existing lot) and the full vertical construction budget for a new 1-4 unit residential property. Rather than funding the entire construction budget upfront, funds are disbursed through a structured draw process tied to inspected, completed work — keeping the project properly capitalized at every stage.
This program is built for experienced builders and investors developing new construction spec homes, infill lots, and small multifamily (2-4 unit) new builds intended for sale or long-term hold.
Who This Program Is For
- Builders and developers constructing new 1-4 unit residential properties
- Investors with an owned or under-contract buildable lot
- Projects with defined plans, specs, and a construction budget
- Investors building to sell or building to hold as a rental (DSCR takeout available)
Typical Loan Snapshot
| Rates | As low as 8.99% |
|---|---|
| Leverage | Up to 90% of total project cost, not to exceed 70% ARV |
| Loan Amount | $150,000 – $10,000,000 |
| Term Length | 12 – 24 months |
| Property Types | New construction, 1-4 unit residential |
| Funding Structure | Land funds at closing; construction funds via milestone draws |
| Qualification Focus | Plans/specs, budget, experience, and exit strategy |
Rates and leverage shown reflect our typical range and are not guaranteed for any individual borrower. Actual pricing, leverage, and terms are determined during underwriting based on the specific deal.
Tip: Have your plans, specs, and itemized construction budget ready to speed up your term sheet.
Ground-Up Construction FAQs
What is a ground-up construction loan?
A ground-up construction loan finances the acquisition of land and the vertical construction of a new residential property, with funds released in draws as construction milestones are completed.
Can I finance the lot purchase and construction together?
Yes. Ground-up construction financing can typically cover both land acquisition and the full construction budget in a single loan structure.
How do construction draws work?
Construction funds are released in stages tied to completed and inspected work, rather than disbursed as a single lump sum, protecting both the investor and the capital provider as the project progresses.
Ready to Break Ground?
Get a term sheet from a dedicated advisor — usually within 2 hours.