How to Prepare a Ground-Up Construction Loan Scenario
What to gather before you ask for ground-up construction financing: land, plans, permits, budget, timeline, completed value, experience, and exit.
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Resources
Get the Numbers Ready Before You Submit
These guides explain what investor lenders look at and how to prepare: how loan size is calculated with LTC, LTV, and ARV, how DSCR works, how to build a budget, how draws and interest reserves work, which documents lenders request, and why scenarios get delayed.
REI Capital Consulting LLC is not a direct lender. Financing is provided by independent third-party lenders. Programs are subject to lender underwriting and approval.
LTC, LTV, and ARV Explained for Real Estate Investors
Plain-English definitions of loan-to-cost, loan-to-value, and after-repair value, with a worked example of how lenders size investor loans.
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Documents Investor Lenders May Request
A practical list of documents business-purpose lenders commonly request for fix-and-flip, construction, bridge, and DSCR loans, and when they ask.
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Building a Construction or Rehab Budget a Lender Can Use
How to build a line-item construction or renovation budget that supports your loan request and draw schedule, with categories and a contingency.
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DSCR Loan Basics: How Rental Cash Flow Qualifies a Loan
How the debt service coverage ratio is calculated, what lenders look at besides DSCR, and when a DSCR rental loan may fit.
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Exit Strategies: How Lenders Evaluate Your Payoff Plan
Why every short-term investor loan needs a clear exit, the common exit types, and how to support yours in a financing scenario.
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Investor Experience and Entity Requirements
How lenders count real estate experience, why business-purpose loans are usually made to an LLC or other entity, and what to prepare.
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How Appraisals Work on Investor Loans
As-is value, after-repair value, completed value, and rent schedules: what an investor-loan appraisal measures and how it changes loan size.
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Interest Reserves and Draw Schedules Explained
How construction and rehab draws are released, what an interest reserve is, and how both affect your cash flow during a project.
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Common Reasons Financing Scenarios Get Delayed
The most common reasons investor financing requests stall, from missing budgets to owner occupancy, and how to fix them before you submit.
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Have a Deal to Finance?
Send us the basic project details. We’ll review the scenario and identify potential next steps.
REI Capital Consulting LLC is not a direct lender. Financing is provided by independent third-party lenders. Programs are subject to lender underwriting and approval.