Ground-Up Construction Financing
Capital solutions for builders, developers, and investors constructing new residential or multifamily projects, from single homes to small subdivisions and mixed-use developments.
Program Focus
Structures we fund under this program.
Who It's For
- Builders and developers
- Single-family to multifamily projects
- Build-to-rent and infill development
- Sponsors with land or land under contract
Documents You May Need
- Land ownership or purchase contract
- Construction budget & scope of work
- Plans / renderings & permit status
- Builder / GC track record
- Pro forma & projected value
Document requirements vary by transaction and lender guidelines. This list is a starting point, not a complete checklist.
Program Guidelines
Qualified builders, developers, and investors constructing non-owner-occupied investment properties.
Eligible Uses
- Single-family construction
- Townhomes & condominiums
- Subdivisions & 2–4 unit properties
- Horizontal & vertical construction
- Build-to-rent & custom builder projects
- Spec builds & infill development
General Program Features
- Up to 85%–90% loan-to-total-cost on select qualified files
- Up to 70%–75% LTARV on select qualified files
- Up to 100% of construction cost on select programs
- 12, 18, 19, 24-month terms with extension options (program-dependent)
- No income verification on select programs
- Interest not charged on undrawn construction funds on select programs
- Permits may be required before first draw
Review Items
- Land ownership or purchase contract
- Plans, site plan & permit status
- Construction budget & scope of work
- GC / builder information & experience
- Insurance, survey & utility/infrastructure info
- Exit strategy
All figures are illustrative ranges available on select qualified files and are program-dependent — not a commitment to lend. All programs are subject to underwriting, borrower qualification, property review, collateral review, credit review, documentation, market conditions, capital partner approval, and applicable law.
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Have a ground-up construction financing scenario?
Watson Capital Partners provides access to private capital, a nationwide network of lending relationships, and creative financing structures for real estate investors, developers, and business owners who value speed, structure, and disciplined execution.