Ground Development Loans for 1 – 4 unit projects. Finance new builds, small lot developments, or single-family construction with expert investor support.
At REIF Loans, we specialize in helping investors and builders finance new residential construction projects from the ground up. Whether you’re building a single home or developing multiple units on one lot, our team structures financing that aligns with your timeline, costs, and exit strategy.
We combine investor-focused construction loans with transparent guidance to help you complete projects efficiently and profitably.
A ground-up construction loan is short-term financing designed to fund the full build cycle of a new property from land purchase and site preparation through completion and inspection.
These loans are ideal for investors, builders, and developers creating new 1–4 unit residential projects, such as single-family homes, duplexes, or small multifamily builds.
Ground-up development loans are different from renovation financing. they’re designed for brand-new projects where no existing structure exists.
Ground development loans offer flexibility and leverage that traditional mortgages can’t provide. They’re structured around your project’s future value and construction milestones, not just your personal financial profile.s.
Secure funding to complete new construction and reuse capital faster across multiple projects.
Loans can fund single homes, duplexes, triplexes, or four-unit properties. ideal for small developers and portfolio investors.
Preserve working capital during construction by paying interest only on disbursed funds.
Funds are released in controlled stages based on verified progress, helping you stay on budget.
Transition easily to long-term financing or sell completed units at market value.
Confirm you own or are purchasing the lot for development.
Provide blueprints, contractor bids, and build timelines for review.
We assess total project cost, land value, and projected after-completion value.
Once approved, funds are distributed based on progress milestones.
Lender-approved draws ensure work meets quality and safety standards.
Refinance into long-term financing or sell upon project completion.
With REIF Loans, you get a partner who understands construction timelines and investor goals, not just a lender.
While these loans are flexible, lenders evaluate both the project’s potential and the borrower’s experience. Typical requirements include:
We work with investors of all experience levels and can connect you with trusted builders, appraisers, and title professionals to support your project.
Finance new single-family homes on individual lots or infill properties.
Ground-up construction loans are available for 1–4 unit residential projects, including single-family homes, duplexes, triplexes, and fourplexes. These loans can also fund small-lot developments and infill construction where the project involves new builds rather than renovations.
While prior experience helps, it isn’t required. REIF Loans works with both first-time builders and seasoned investors. Our advisors review your contractor partnerships, project plans, and financial strategy to ensure a strong application even if you’re new to development.
Funds are released in draws based on project milestones. After each phase of construction is completed and inspected, a new draw is issued. This process helps maintain accountability, manage cash flow, and ensure the project stays within budget.
Most loans have terms of 12 to 24 months, depending on the project size and build schedule. Extensions are available if needed, especially for multi-unit or delayed permitting timelines.
Absolutely. Once your project is complete, you can refinance into a DSCR loan, conventional mortgage, or rental property loan to hold the property for cash flow or long-term appreciation. REIF Loans provides a full refinance pathway to simplify your exit strategy.
You’ll typically need:
Our team reviews these items with you to ensure nothing delays funding.
A fix and flip loan finances improvements to an existing structure, while a ground-up construction loan funds a new build from the ground up. If there’s no existing home on the site, you’ll need construction financing rather than rehab financing.
Whether you’re developing a single home or a small multi-unit project, REIF Loans provides construction financing designed for speed, structure, and success.
Our investor-focused approach ensures every project starts strong and finishes profitably with a team that knows how to navigate real-world development challenges.
