Ground Up Construction
Construction Financing for Single-Family Investors
​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:
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Up to 90.0% LTC / 70% ARV
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Interest-only terms
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Fast approvals and closings
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Financing for acquisitions, cash-out refis, and transitional assets
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No prepayment penalties
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Ideal For:
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Infill vertical development on land that is entitled
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Experienced investors building speculative or pre-sold homes
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Builders looking to scale single-family developments
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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:
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Rates as Low as 9.25% Fixed Rate
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Loan Size:
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Loans Ranging from $150k to $1.5 million
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Potentially Larger on Deal by Deal Basis
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Flexible Loan Term:
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12 - 24 Months Interest Only
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Attractive Leverage:
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Up to 90% LTC
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Up to 70% ARV
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Prepayment:
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No Prepayment Penalty
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Credit Requirement & Recourse:
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Credit Score as Low as 680
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Recourse Required
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Other:
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Single Family and Small Multifamily (up to 4 units)
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Approved Plans and Permits by Local Municipality
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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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