Building for Tomorrow with
Ground-Up Financing
IX’s Ground Up Construction Loans offer competitive rates and flexible terms, empowering investors to create the future with confidence.
Rates and Terms
for Ground-Up
Choose your experience level
1-2 Ground-Ups
Experienced Developer
Rate
Starting at 10.99%
Loan Amount
$50K - $3.5MM
Term
12 months standard
18 months lender discretion
Minimum Experience
1 - 2 Ground Ups
Maximum LTC (% of purchase price)
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 85% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
Maximum Loan To Arv
Up to 70%
When do we use LTV Vs LTC ?
Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)
Recourse
Full recourse
Property Types
Non-owner Occupied 1-4 unit residential
Townhomes
Condos
Ineligible:
Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties
Property Count
Min: 1 Max: 2
Reserves/Escrows
Minimum 1 month
Choose your experience level
1-2
Ground-Ups
Experienced
Developer
Rate
Starting at 10.99%
Loan Amount
$50K - $3.5MM
Term
12 months standard
18 months lender discretion
Minimum Experience
1 - 2 Ground Ups
Maximum LTC (% of purchase price)
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 85% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
Maximum Loan To Arv
Up to 70%
When do we use LTV Vs LTC ?
Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)
Recourse
Full recourse
Property Types
Non-owner Occupied 1-4 unit residential
Townhomes
Condos
Ineligible:
Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties
Property Count
Min: 1 Max: 2
Reserves/Escrows
Minimum 1 month
Choose your experience level
1-2
Ground-Ups
Experienced
Developer
Rate
Starting at 10.99%
Loan Amount
$50K - $3.5MM
Term
12 months standard
18 months lender discretion
Minimum Experience
1 - 2 Ground Ups
Maximum LTC (% of purchase price)
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 85% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
Maximum Loan To Arv
Up to 70%
When do we use LTV Vs LTC ?
Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)
Recourse
Full recourse
Property Types
Non-owner Occupied 1-4 unit residential
Townhomes
Condos
Ineligible:
Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties
Property Count
Min: 1 Max: 2
Reserves/Escrows
Minimum 1 month
Choose your experience level
1-2 Ground-Ups
Experienced Developer
Rate
Starting at 10.99%
Loan Amount
$50K - $3.5MM
Term
12 months standard
18 months lender discretion
Minimum Experience
1 - 2 Ground Ups
Maximum LTC (% of purchase price)
Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction
Max 85% of total project costs
LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing
Maximum Loan To Arv
Up to 70%
When do we use LTV Vs LTC ?
Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)
Recourse
Full recourse
Property Types
Non-owner Occupied 1-4 unit residential
Townhomes
Condos
Ineligible:
Mixed use properties
5+ unit multifamily properties
Condotels
Co-ops / TICs
Commercial Property
Log Homes
Properties Subject to Oil and/or Gas Leases
Operating Farms, Ranches, or Orchards
Vacation or Seasonal Rentals
Rural properties
Property Count
Min: 1 Max: 2
Reserves/Escrows
Minimum 1 month
Empowering Fix & Flip
Through Simplicity
Empowering Fix & Flip
Through Simplicity
Efficiency Through Simplicity
Efficiency Through Simplicity
Our streamlined process eliminates unnecessary paperwork, ensuring quick approvals and fast funding, so you can focus on what truly matters—bringing your project to life.
Our streamlined process eliminates unnecessary paperwork, ensuring quick approvals and fast funding, so you can focus on what truly matters—bringing your project to life.
Building Foundations for Success
Building Foundations for Success
IX provides Ground-Up Construction loans designed to support your vision with up to 90% project financing, empowering developers to build confidently from start to finish.
IX provides Ground-Up Construction loans designed to support your vision with up to 90% project financing, empowering developers to build confidently from start to finish.
IX provides Ground-Up Construction loans designed to support your vision with up to 90% project financing, empowering developers to build confidently from start to finish.
Support for all Experience Levels
Support for all Experience Levels
Whether you're a first-time builder or an experienced developer, IX offers tailored loan solutions with expert guidance to help you navigate every step of your construction journey.
Whether you're a first-time builder or an experienced developer, IX offers tailored loan solutions with expert guidance to help you navigate every step of your construction journey.
Contact us Today
Contact us today to get started. Our team will guide you through every step of the application process and answer any questions along the way. We're here to ensure your success and make your investment journey smooth and efficient.
Call us: (833) 446-2001
Email: support@ix.finance
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.