Turn the plan into property.Build from the ground up.
Ground Up loans for builders, developers, and investors transforming residential construction plans into completed projects.
RELM helps experienced operators review the site, budget, leverage, permits, draws, timeline, and exit strategy before moving toward a financing path.
Key loan terms
Capital structured for construction.Clear terms at a glance.
Property Types
Residential 1-4 units
RELM specializes in financing residential properties comprising 1-4 units, keeping the structure tuned to the needs of ground-up projects.
Loan Amount
$50K to $5M
Flexible loan amounts support projects ranging from smaller residential builds to larger construction opportunities.
Maximum Loan to Cost
Up to 80% total project cost
Financing may include up to 75% of the lower of land value or purchase price, or 60% if unpermitted, plus 100% of construction costs, with access up to 80% of total project costs.
Maximum Loan to ARV
Up to 70% ARV
Ground Up financing can support developers focused on creating or improving value through completed residential construction.
Term Length
12 to 18 months
Select a term aligned with the project's timeline, with options from 12 months up to 18 months subject to lender discretion.
Recourse
Program dependent
Recourse and guaranty requirements vary by lender, borrower profile, project size, leverage, and transaction structure.
Ground Up loans
Reliable capital for real build plans.
With Ground Up financing available through RELM, investors gain a financing partner focused on helping construction projects move from site and scope to completed residential assets.
Expert support
Construction financing needs more than a loan amount.
Ground-up development demands draw coordination, timeline awareness, construction documentation, and a financing team that understands how project details affect capital structure.
Reliable funding for real construction timelines
Ground-up projects need financing that respects build schedules, draws, documentation, valuation, and execution pressure.
Expert support for experienced operators
RELM supports builders, developers, and investors who understand construction but need a lender that can move with the project.
Capital designed around construction milestones
From first review through closing, the goal is simple: help match a viable residential construction plan with a practical financing path.
From site to settlement
A clearer path to construction funding.
RELM keeps the Ground Up loan journey organized from first project review through closing and draw access.
Project Review
Share the site, property type, purchase or land basis, construction budget, ARV expectations, and prior ground-up experience.
Term Structure
RELM reviews loan amount, LTC, ARV, term length, recourse, and draw expectations to understand the best construction-financing path.
Document Package
Submit the construction scope, budget, borrower details, entity documents, plans, permits when applicable, and supporting financial information.
Underwriting
The project, borrower, valuation, construction plan, and exit strategy are reviewed before final approval and closing preparation.
Closing / Draws
Close the loan, start construction, and access approved construction funds through the draw process as the project progresses.
Get started now
Your next construction project is ready to take shape.
Contact RELM to explore how Ground Up loans can help transform a qualified residential construction opportunity into a tangible completed project.
