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Ground up Construction
Rates Starting at 10.99%*
HBM Lending Services offers flexible and competitive terms on Ground Up Construction Loans, tailored for Real Estate Investors focusing on 1-4 unit residential properties.
| Ground Up Program | Details |
|---|---|
| Maximum LTC (Loan To Cost) | Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction. Max 85% of total project costs. LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing. |
| Maximum ABV (After Built Value) | Up to 70% |
| Reserves/Escrows | Interest Reserve: Minimum 1 month |
| Experience | Previous real estate experience required: 1-2 Ground ups. GCs if experience if permits tie to Ground ups. Guarantors with no experience permitted on a case by case basis. |
| Loan Amount | Min: $50,000 Max: $3,500,000 |
| Term Length | 2 months, Up to 18 months |
| Property Count | Min: 1 | Max: 2 |
| Permitted Property Types | Eligible: Non-owner Occupied 1-4 unit residential | Townhomes | Condos Ineligible: Mixed use properties | 5+ unit multifamily properties | Condotels | Co-ops / TICs | Commercial Property | Log Homes | Properties Subject to Oil and/or Gas Leases | Operating Farms, Ranches, or Orchards | Vacation or Seasonal Rentals | Rural properties |
| Guidelines For NO Ground Up Experience | Details |
|---|---|
| Minimum Credit Score | 650 |
| Experience | No Experience needed. We can close without permit, but we need the permit to fund the draw. Need to see 3 track records from past 5 years from GC with 75% of the ABV. Should be residential. |
| Maximum LTC (Loan To Cost) | Up to 85% LTC (LTC is based on the as-is value) |
| Maximum ABV (After Built Value) | 65% |
| Maximum AIV-LTV | 25% |
| Commitment Fee | $500 Commitment Fee (will be credited back at closing). No interest reserve required. |
| Permitted Property Types | Up to 4 units residential | Non-dutch |
| Experienced Developer Program (3+ Similar Past Projects) | Details |
|---|
| Maximum LTC (Loan To Cost) | Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction. Max 90% of total project costs. LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing. |
| Maximum ABV (After Built Value) | Up to 75% |
| Reserves/Escrows | Interest Reserve: Minimum 1 month. Minimum 6 months full boat IR funded with initial loan amount for 90% LTC loans. |
| Experience | Previous real estate experience required: 3+ similar Ground-up builds + heavy rehabs with expansion. Professional development/builder. Guarantors with no experience permitted with experienced guarantor that meets the above experience criteria. |
| Loan Amount | Min: $50,000 Max: $3,500,000 |
| Term Length | 12 months, Up to 24 months |
| Property Count | Min: 1 | Max: 10 |
| Permitted Property Types | Eligible: Non-owner Occupied 1-4 unit residential | Townhomes | Condos Ineligible: Mixed use properties | 5+ unit multifamily properties | Condotels | Co-ops / TICs | Commercial Property | Log Homes | Properties Subject to Oil and/or Gas Leases | Operating Farms, Ranches, or Orchards | Vacation or Seasonal Rentals | Rural properties |
Loans are exclusively for non-owner-occupied properties. All products are designed for residential use only.
** The rates provided are the best available options. Your actual rates and terms may vary depending on factors such as credit score, financial history, property details, and other underwriting criteria.
Who we are
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Here is a glimpse of the
Services We Offer:
Mental Health
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Natural Health
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Physical Therapy
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Why trust
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Choose one of our packages right now.
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Frequently Asked Questions
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The Impact of Stress on Our Bodies and Health
Here at Peaceful Rejuvenation, we provide therapeutic massage and body sculpting services that aim to revitalize and heal your mind and body. We have a wide range of services ranging from traditional, soothing massages to intensive sessions designed to tighten skin and tone your muscles.
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