Construction Financing From Dirt to Doors
RS Capital funds ground-up construction for builders and developers — up to 90% of loan-to-cost (land + construction), up to 75% of ARV, and no mortgage payments for up to 24 months while you build.
Program Highlights
Built for builders and developers taking a project from raw land to a completed build — single-family, duplex, triplex, fourplex, or small residential development.
Built for Builders and Developers
Whether you're building to hold or building to sell, this program is structured around your project timeline.
From Blueprint to Breaking Ground
An in-house processing team built to move at the pace of your project.
Apply in Minutes
Quick online application — tell us about the project.
Get Your Term Sheet
Same-day terms available, no hard credit pull.
Close & Break Ground
Land and construction funds structured into one loan.
Build & Draw
Draw against your construction budget as work is completed.
Construction Loans in Your Market
Licensed and actively funding ground-up construction in 46 states. Explore builder financing in your city.
Ground-Up Construction Loan FAQ
What's the maximum loan-to-cost on a ground-up construction loan?
Up to 90% of loan-to-cost (LTC), which includes both land and construction costs.
Do I have to make mortgage payments during construction?
No mortgage payments for up to 24 months on purchases and refinances.
What are the interest rates?
Rates start at 9.49%, varying based on the specifics of your deal.
What's the maximum loan amount?
Loan amounts up to $5,000,000.
Can I do a cash-out refinance on a construction project?
Yes. Purchase, delayed purchase, rate and term, and cash-out options are all available.
Do I need construction experience to qualify?
This program is built for builders, developers, and investors with experience — or an experienced team — in ground-up construction.
Get Your Construction Term Sheet
Tell us about your project and a loan advisor will follow up the same day — no cost, no obligation, no hard credit pull.
Request Your Loan Terms
No obligation. A loan advisor replies same day.
Start My Application →Takes about 2 minutes. No cost, no obligation.