4GB Capital Investment Property Finance Submit a deal
4GB Capital  /  Ground-Up

Lot to certificate of occupancy.

Land acquisition and vertical construction for infill builds, spec homes, and small subdivisions. Interest is charged only on what you have drawn, and the calculator estimates your reserve on that basis.

Terms

Indicative pricing.

Where a clean file lands today. Your quote moves with FICO, experience, leverage, and the property.

Indicative as of Aug 29, 2026
Builder profileCompleted buildsMax LTC Max LTARVTermRate fromPoints
Experienced5+85%70%18–24 mo10.25%2.00
Established3 – 480%68%18 mo10.99%2.25
Emerging1 – 275%65%12–18 mo11.75%2.50
Loan size$150K – $5M
LandFinanced or contributed as equity
InterestCharged on drawn balance
ReserveInterest reserve can be built in
RequiresPermits · budget · GC contract
Min FICO680
0-point options available on this program. Zero points at closing at competitive rates, so more of your cash stays in the deal.

Horizontal work and lot development are reviewed case by case. Builder financials and a line-item budget are required before a term sheet is issued.

Deal desk

Underwrite it before you send it.

Everything updates as you type. Nothing is submitted or saved.

Build budget

Loan is capped by the completed-value test.
Projected profit at sale
$74,550
Cost basis per finished square foot
$187 / ft² all-in
  • Total project cost$350,000
  • Max loan — cost test$280,000
  • Max loan — value test$326,400
  • Loan amount$280,000
  • Equity required$70,000
  • Origination$6,300
  • Interest reserve estimate$17,950
  • Selling costs$31,200
  • Cash in the deal$94,250

Have a deal in hand?

Term sheet in one business day. No application fee, no credit pull to get pricing.

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