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Ground Up Construction

Construction Financing for Single-Family Investors

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​At Pennybrook Capital, we provide tailored ground-up construction loans designed to help real estate investors build single-family homes from the ground up—efficiently, competitively, and with confidence.


What we offer:

  • Up to 90.0% LTC / 70% ARV

  • Interest-only terms

  • Fast approvals and closings

  • Financing for acquisitions, cash-out refis, and transitional assets

  • No prepayment penalties

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Ideal For:

  • Infill vertical development on land that is entitled

  • Experienced investors building speculative or pre-sold homes

  • Builders looking to scale single-family developments

  • Investors seeking vertical integration from land to sale

 

Whether you're building your first home or your fiftieth, Pennybrook Capital combines institutional-grade experience with entrepreneurial speed—bringing your project to life with capital that works as hard as you do.

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Let's build something together

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Ground Up Construction Financing

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  • Competitive Rates:

    • Rates as Low as 9.25% Fixed Rate

  • Loan Size:

    • Loans Ranging from $150k to $1.5 million

    • Potentially Larger on Deal by Deal Basis

  • Flexible Loan Term:

    • 12 - 24 Months Interest Only

  • Attractive Leverage:

    • Up to 90% LTC

    • Up to 70% ARV

  • Prepayment:

    • No Prepayment Penalty

  • Credit Requirement & Recourse:

    • Credit Score as Low as 680 

    • Recourse Required

  • Other:

    • Single Family and Small Multifamily (up to 4 units)

    • Approved Plans and Permits by Local Municipality 

    • Individual Properties or Portfolios

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Get a Quote

Getting Started is Easy — No Cost, No Commitment

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There’s no cost to receive a quote. If you’re exploring financing options, we’re here to help.

Reach out today to discuss your project and see how our solutions can support your goals.

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Info@pennybrookcapital.com

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© 2023 Pennybrook Captial, LLC. All rights reserved.

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