Step 5of the BuildUp System

Financing

Compare lender term sheets side-by-side. Understand the true cost of each loan. Submit to multiple lenders at once.

Your Project Numbers

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National New Build Fund

Best Match

Construction-to-Perm • 21-30 days close

9.5%
1.5 pts
Loan Amount
$260,000
Money Down
$65,000
Holding Cost
$29,640
Total Loan Cost
$38,540
LTC / LTV
80% / 65%
Non-Dutch (Pay on Draws)Cross-Collateral RequiredExperience: 5+ builds4 draws

Best rates but requires experience. Cross-collateral required.

Ground Up Capital

Construction • 14-21 days close

10.5%
2 pts
Loan Amount
$276,250
Money Down
$48,750
Holding Cost
$17,404
Total Loan Cost
$26,429
LTC / LTV
85% / 70%
Non-Dutch (Pay on Draws)No Cross-CollateralExperience: 2+ builds5 draws

Good for beginners. Will consider first-time builders with mentor.

Build Bridge Lending

Construction • 10-14 days close

11%
2.5 pts
Loan Amount
$292,500
Money Down
$32,500
Holding Cost
$48,263
Total Loan Cost
$59,575
LTC / LTV
90% / 75%
Full Dutch InterestNo Cross-CollateralExperience: 1+ build6 draws

Fast close. Full dutch interest. Higher rate but flexible on experience.

Understanding Dutch vs Non-Dutch Interest

Full Dutch Interest

You pay interest on the FULL loan amount from day one, even though you have not drawn all the funds. More expensive but sometimes comes with better terms elsewhere.

Non-Dutch (Pay on Draws)

You only pay interest on money you have actually drawn. As construction progresses and draws are taken, your interest payments increase. This is the preferred structure for most builders.