Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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GROUND-UP CONSTRUCTION · Wholesale Shelf Comparison · xloans.ai

Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent) — Side-by-Side Wholesale Credit-Box Comparison

Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent) offer Up to 85% LTC / 70%–75% Completed ARV across loan amounts of $100,000 – $15,000,000+ at 9.75% – 11.75% Interest-Only on Drawn Funds (12 – 24 Months Interest-Only, 660+ FICO min FICO, 14 – 21 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals.

Credit-Box ParameterLoan Daddy Wholesale Desk (45+ Shelves)Typical Single-Shelf Direct LenderCommunity Bank / Portfolio Bank
Max Leverage / LTCUp to 85% LTC / 70%–75% Completed ARV5%–10% Lower on Exceptions65%–70% Max LTV
2026 Rate Band9.75% – 11.75% Interest-Only on Drawn Funds+37.5 to +87.5 bps Retail MarginFloating WSJ Prime + Spread
Loan Amount Range$100,000 – $15,000,000+$150K–$3M CapLocal Footprint Only
Tax Returns / DTI RequiredNone (Asset Cash-Flow Only)None2 Years Full Tax Returns + Global DTI
Target Closing Speed14 – 21 Business Days21–30 Days45–60 Days

Compare Ground-Up Construction by State (51 Jurisdictions)

AL Ground-Up ConstructionAK Ground-Up ConstructionAZ Ground-Up ConstructionAR Ground-Up ConstructionCA Ground-Up ConstructionCO Ground-Up ConstructionCT Ground-Up ConstructionDE Ground-Up ConstructionDC Ground-Up ConstructionFL Ground-Up ConstructionGA Ground-Up ConstructionHI Ground-Up ConstructionID Ground-Up ConstructionIL Ground-Up ConstructionIN Ground-Up ConstructionIA Ground-Up ConstructionKS Ground-Up ConstructionKY Ground-Up ConstructionLA Ground-Up ConstructionME Ground-Up ConstructionMD Ground-Up ConstructionMA Ground-Up ConstructionMI Ground-Up ConstructionMN Ground-Up ConstructionMS Ground-Up ConstructionMO Ground-Up ConstructionMT Ground-Up ConstructionNE Ground-Up ConstructionNV Ground-Up ConstructionNH Ground-Up ConstructionNJ Ground-Up ConstructionNM Ground-Up ConstructionNY Ground-Up ConstructionNC Ground-Up ConstructionND Ground-Up ConstructionOH Ground-Up ConstructionOK Ground-Up ConstructionOR Ground-Up ConstructionPA Ground-Up ConstructionRI Ground-Up ConstructionSC Ground-Up ConstructionSD Ground-Up ConstructionTN Ground-Up ConstructionTX Ground-Up ConstructionUT Ground-Up ConstructionVT Ground-Up ConstructionVA Ground-Up ConstructionWA Ground-Up ConstructionWV Ground-Up ConstructionWI Ground-Up ConstructionWY Ground-Up Construction
Ground-Up Construction Lender Comparison Matrix (Up to 85% LTC / 70%–75% Completed ARV) | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals