Construction Loans Ground Up in El Paso County Texas
Fix and Flip Loan Texas provides fast, flexible construction loans for ground-up projects in El Paso County, Texas. Whether you’re building residential or commercial properties, we provide the capital, speed, and expertise to help you complete your project successfully.
Loan Program Overview
Ground-up construction loans are short-term, asset-based financing solutions designed for investors building from the ground up.
Key Features:
- Up to 85% Loan-to-Cost (LTC)
- Up to 70% ARV (After Repair Value)
- Interest-only payments during construction
- Terms from 12–24 months
- Draw schedules with 24–72 hour disbursements
How to Qualify
- Detailed construction plans and budget
- Experienced builder or strong deal fundamentals
- Exit strategy (sell or refinance)
- No income documentation required
- Credit considered but flexible
- LLC/entity borrowers accepted
Property Types Eligible
- Single-family new construction
- Multi-family developments
- Townhome communities
- Mixed-use properties
- Commercial construction
Fast Funding Timelines
- Submit deal scenario
- Receive term sheet within 24 hours
- Appraisal and feasibility review
- Underwriting approval
- Close in 7–14 business days
Local Lending Experience
We understand El Paso County permitting, zoning, and construction challenges. From Downtown El Paso to expanding suburban developments, we help investors navigate approvals, inspections, and timelines.
Benefits Over Banks
Streamlined construction draw process
Higher leverage
Flexible underwriting
Faster closings
No Income Docs Required
Serving Real Estate Investors Across Texas
Serving real estate investors across Texas, including El Paso, Horizon City, Socorro, and surrounding markets. Trusted in neighborhoods from Denver to Aurora, Fort Collins, Lakewood, Thornton, Arvada, Westminster, Pueblo, and Greeley.
FAQs
A short-term loan used to finance building a property from the ground up.
Most projects close within 7–14 business days.
Yes, many loans include both land acquisition and construction.
Yes, funds are released in stages as construction progresses.
Experience helps, but strong deals may still qualify.
Get Started Today
Apply now for fast approval and speak to a local Texas lending expert today. Submit your deal scenario to receive same-day feedback and get started on securing the funding you need.