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Investor Rehab Funding

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Investor Rehab Funding
Ground-Up Financing Solutions

New Construction Loans for Real Estate Investors

Fund your ground-up residential construction projects with financing solutions designed specifically for real estate investors. Whether you’re an experienced builder or starting your first new construction project, IRF offers flexible funding options to help bring your vision to life.

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  • No Income Docs Required
  • Close in 12–15 Business Days
  • No Credit Pull Required

Build From Blueprint

Ground-Up Investment Capital

New construction financing is designed for real estate investors who want to build residential investment properties from the ground up. Instead of purchasing an existing property, this type of financing helps cover the cost of acquiring the lot and funding the construction process through completion.

IRF offers flexible new construction loan programs for both experienced investors and qualified first-time builders. Funding is released in stages as construction milestones are completed, helping ensure that projects stay on track while providing investors with the capital they need at each phase of the build.

Whether you are planning to construct a single-family investment property or a small multi-unit project, IRF’s new construction financing solutions are built to simplify the process and help you move from blueprint to completed investment property with confidence.

Compare Our New Construction Loan Programs

Explore financing options for ground-up residential investment projects, including programs for experienced builders and first-time investors. Compare credit requirements, loan-to-cost limits, and loan amounts below.

PROGRAMMINIMUM CREDIT SCOREMAXIMUM LTCLOAN AMOUNT
100% LTC - Atlanta onlyNo Credit Check100% Financing$250,000 - $3,000,000+
90% LTC Program700+Up to 90% LTC$150,000 – $3,000,000
85% LTC Program660+Up to 85% LTC$150,000 – $3,000,000
1st Time Investor Program700+Case by Case$150,000 – $3,000,000

Ground-Up Details

Individual Program Details

90% LTC Program

Built for experienced real estate investors who want to maximize their purchasing power on ground-up construction projects. This program is ideal for borrowers seeking higher leverage while maintaining a strong credit profile.

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85% LTC Program

Designed for investors looking for a balance between flexibility and competitive financing terms. This option provides an alternative path for qualified borrowers who may not meet the requirements of the 90%
LTC program.

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1st Time Investor Program

Created specifically for first-time builders who are ready to take on their first new construction project. IRF understands that every experienced investor started somewhere, and this program helps make that first project more accessible.

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Ground-Up Details

Individual Program Details

Funds are released in stages as construction milestones are completed and verified through inspections.

01

Complete Work

Finish the agreed phase of construction.

02

Schedule Inspection

The completed work is reviewed and verified.

03

Receive Draw Funds

Once approved, funds are released within 2-3 business days.

Funds are not disbursed upfront.

Draws are tied to actual construction progress.

Draw schedule keeps projects on budget.

Guidelines

General Eligibility Guidelines

Please review the guidelines below to better understand the common requirements for IRF’s New Construction Loan programs. Click on each section to view the details.

Credit Criteria
No bankruptcies within the past three (3) years.
No foreclosures within the past three (3) years.
No criminal convictions within the past three (3) years.
Additional underwriting conditions may apply depending on the loan program.
Eligible Property Types
Single-family residences
2–4 unit residential properties
Condominiums
Townhomes
Business Entity Requirements
All loans must close in the name of a business entity. Acceptable entities include:

LLC (Limited Liability Company)
LLP (Limited Liability Partnership)
S-Corporation
C-Corporation
Appraisal Requirements
A full appraisal is required for all new construction transactions.
The appraisal must be completed by an approved third-party appraiser.
Appraisal fees are paid prior to ordering the appraisal.
Subordinate Financing Policy
Subordinate financing is not permitted.
No second mortgages or additional liens may be placed behind the IRF loan position.
Required Documentation
Government-issued photo identification
Business formation documents (Articles of Organization, Operating Agreement, etc.)
IRS EIN confirmation letter
Executed purchase contract (if applicable)
Construction plans, budget, and scope of work
Additional documentation may be requested during underwriting.

Our Footprint

States We Fund In

Not all loan products are available in each state

Frequently Asked Questions

1. What is a new construction loan?
A new construction loan is designed to finance ground-up residential investment properties. Instead of receiving all funds upfront, the loan is structured to support the project through different stages of construction until completion.
2. How do construction draws work?
Construction funds are released in stages as work is completed. Once a construction milestone is finished, an inspection is conducted, and approved draw requests are typically funded within 2–3 business days.
3. Can first-time investors qualify for new construction financing?
Yes. IRF offers financing options for first-time real estate investors. Eligibility is reviewed based on the overall strength of the borrower profile, project details, and underwriting guidelines.
4. What credit score is required to qualify?
Credit requirements vary by program. Some programs may require a 660+ credit score, while higher leverage options may require 700+ credit. Please refer to the Program Comparison Table for specific requirements.
5. What types of properties are eligible?
Eligible property types generally include: Single-family residences, 2–4 unit properties, condominiums, and townhomes. All properties must meet IRF's underwriting and appraisal requirements.
6. Is seller financing allowed?
Seller financing may be permitted in certain situations, subject to underwriting approval and program guidelines. Borrowers should discuss any existing financing arrangements during the pre-qualification process.
7. Do I receive the entire loan amount at closing?
No. Construction funds are disbursed through construction draws as work progresses. This process helps ensure that funding aligns with the actual completion of the project.
8. How do I get started with a new construction loan?
The first step is to get pre-qualified. IRF will review your project details, financing needs, and eligibility requirements to determine the most suitable financing option for your investment goals.

Ready to Build?

Get the financing you need to move your new construction project forward with confidence.

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