Ground-Up Construction Loans for Investors in Texas
Need LOI, Inc. specializes in Texas ground-up construction loans for real estate investors ready to build from the dirt up. If you’re constructing a new single-family home, multi-unit rental, or commercial property, we provide fast and flexible financing tailored to your timeline and investment strategy. Whether you’re in Dallas, Houston, or San Antonio, our lending process is designed for speed, flexibility, and certainty.
What Are Ground-Up Construction Loans?
Ground-up construction loans are short- to mid-term loans used to finance the development of new real estate from land to final completion. These loans typically cover land acquisition (or refinance), construction costs, and soft costs including permits and plans.
Texas ground-up construction loans Loan Terms
Loan Amounts
$100,000 to $50,000,000+
LTC
Up to 85%
Loan Term
3–36 months
Interest Rates
Only Payments During Construction
Funding Time
Close in as little as 3 days
Draw Schedule
Based Disbursement Schedule
Ground-Up Loans Project We Fund
Buy-and-hold investors constructing new rentals
Out-of-state investors building in Texas
Fix-and-flip investors building new inventory
Contractors developing infill lots
Real estate developers and builders
Ground-Up Construction Loan Process
Submit Application
Submit your project details online or by phone
Get Pre-Approval
Receive pre-approval in 1 hour
Draws Schedules
Review LOI with terms, structure, and draw schedule
Underwritting
Conduct underwriting, appraisal (if required), and title coordination
Fund Draws
Fund initial draw and begin construction
Why Choose Need LOI, Inc.?
– Quick draw turnaround (24–48 hours after inspection)
– Local expertise in permitting, zoning, and resale markets
– Transparent loan terms with no hidden junk fees
– Asset-based underwriting — not income focused
– Proven track record: 200+ Texas ground-up builds funded
Ready to start Texas ground-up construction loans ?
Ready to break ground?
Apply now for Texas ground-up construction financing. Our team is here to help you build with confidence.