Ground-Up Construction

Loan Purpose

  • New Construction Purchase

  • Refinance of Existing Property (“Heavy Rehab”) Plus Construction

Loan Product

  • First Lien Only

  • 6-36 Months Interest Only

Initial Advance on Land

  • Up to 50% of the Lesser of "As Is" Appraised Site Value of the Land or Cost Basis in the Land Pre-permit

Min "As Is" Property Value 

  • $100,000

Max Loan to "As Completed" Value 

  • Up to 80%

Minimum Loan Amounts

  • $75,000

Maximum Loan Amounts

  • $2,000,000* for Single Family

  • $3,000,000* for 2-4 Family

  • $3,000,000* for 5-8 Units

*Larger loan balances are only permitted on an exception basis that requires Invigorate Scenario Desk Review


Product Offerings

Residential Products

Business Purpose Products

Eligible Property Types

  • Single Family Residence (SFR)

  • 2 to 4 Family

  • 5 to 8 Units

  • Townhomes​

Property Locations

  • Major MSA’s and secondary markets

  • No Rural Properties (as designated on appraisal)

(Product not available in Alaska, North and South Dakota, Minnesota, Nevada, Delaware, Utah, Hawaii, Puerto Rico, US Virgin Islands)

Eligible Borrowers

  • U.S Citizens/Permanent Resident Aliens

  • Non- Permanent Resident Aliens

  • Foreign Nationals

  • LLCs, LPs, Trusts & Corporations 

Borrower Experience

  • Options for New Investors (Zero Experience Subject to Review)

  • Limited, Experienced and Institutional


  • Recourse and Non-recourse Options Available

Minimum Credit Score

  • 680