Investor Loans | Ground-Up Construction

Let’s Fund Your Next Ground Up Project!

Ground-Up Construction

Kickstart your next build with flexible construction financing. Our lending experts are ready to help you turn your vision into reality. Fill out the form below to get started.

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949-401-7593

UP TO

9.99%

RATES FROM*

LTV

21-30

DAY CLOSE

12-24

I/O OPTION

$450k up to $3M

Step 1: Submit Your Deal

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Ground-Up Construction

Benefits

Why Choose Our Ground-Up Construction Loans?

Apply Now!

949-401-7593

Our Ground-Up Construction loans are designed for investors who need reliable, flexible funding to launch their next project. With competitive terms and up to 100% of construction costs covered, our financing solutions make it easier to start building with confidence. Whether your goal is to build properties for sale or for long-term income, our simplified approval process ensures you can focus on what matters most—delivering your vision.

Ground-Up Construction Calculator

Calculate project cost, financing, LTV, and total interest for your build.

Land Cost $

Construction Budget $

Down Payment %

Interest Rate %

Loan Term (Months)

Simple Qualifications

Are We a Good Fit?

Our Ground-Up Construction loans are designed for developers and investors embarking on new-build projects. To qualify, you’ll need

Experience

At least 3+ completed properties.

Credit Score

Minimum of 720

Liquidity/Reserves

25% down payment with 3 months of reserves

Property Type

SFR, Condo, Townhome, 1–8 Units

Loan-to-Cost (LTC)

Financing available for up to 75% of project costs.

Get Started

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Begin your journey to homeownership today!

Apply Now!

949-401-7593

Key Loan Terms for Real Estate Investors

Ground-Up Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type

Ground-Up Construction

Experience Required:

3+ Completed Properties

Minimum Credit Score:

720

Liquidity:

25% Down

Reserves:

3mo. Reserves

Prepayment Penalty:

None

Closing Timeline:

21 to 30 Days

Draw Schedule:

24–48 Hours

Rate:

9.99%

Loan-to-Value LTV:

N/A

Loan-to-Cost (LTC):

75%

Loan Term:

12–24 Months Interest Only

Asset Types:

SFR, Condo, Townhome, 1–8 Units

Loan Amount Min:

$450k

Loan Amount Max:

$3M

Product Specifics:

Non-Owner-Occupied, Up To 100% Construction Costs

Number of Units:

1 to 8 Units

Apply Now!

949-401-7593

Your Trusted Partner for Construction Lending

Simplified Process: Navigate the lending process with ease, so you can focus on your build.
Fast Closings: Avoid delays with quick approvals and closings, typically within 21-30 days.
Flexible Financing: Access up to 100% of construction costs with terms tailored to your needs.
Expert Guidance: Work with a team that understands the unique demands of real estate construction.

Apply Now!

949-401-7593

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Apply Now!

949-401-7593

Vice President

Arran Amorozo

Arran Amorozo is a seasoned Mortgage Loan Officer and Vice President at West Capital Lending, based in Orange County, California. With over a decade of experience in the mortgage and real estate industry, Arran has built a reputation for delivering creative financing solutions and personalized strategies to help clients achieve their homeownership and investment goals.

Over the course of his career, Arran has personally funded more than 2,000 loans and exceeded $500 million in total loan volume. He currently manages a team of over 20+ loan officers, providing mentorship, systems, and leadership to help his team perform at the highest level.

Arran specializes in investment property financing, DSCR loans, self-employed borrower programs, and first-time homebuyer solutions. His approach combines traditional lending expertise with outside-the-box thinking — ensuring clients receive tailored strategies that align with both short- and long-term financial goals.

With a strong nationwide network of real estate professionals, investors, and lenders, Arran and his team are dedicated to helping clients build wealth through smart financing and strategic property acquisition.

If you’re looking for a lender who combines experience, creativity, and execution — Arran Amorozo and the team at West Capital Lending are ready to help you make your next move.

Apply Now!

949-401-7593

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000

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"Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances."

Katie N

Tennessee

"Working with Sphinx Capital on my multifamily purchase was great. Lance made the process smooth and streamlined. I’m looking forward to our next deal!"

Joe D

Florida

"After getting strung along by several lenders, Sphinx Capital was able to quickly qualify and get my loan to the closing table. I’m grateful to have found such a helpful and honest lender."

Marcia T

California

"Sphinx Capital provided the perfect loan structure for our subdivision, including funds for the horizontal site work, interest reserve, and vertical construction. The entire process was easy and they communicated well, allowing us to pay off our previous hard money loan and move forward to the next phase."

Mark S

Texas

"Lance and his team were able to guide our complex project through underwriting with ease. I felt informed the whole way through the process and definitely recommend working with them to structure and prepare your loan proposal for success."

Jose R

Colorado

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