MCP Ground Up Construction | Residential
Lending Criteria
MidPoint's Ground Up Construction Residential program gives builders and developers fast, flexible capital for new residential construction — from single-family spec homes to multi-unit in-fill projects.
Loan Details
• Loan amounts from $75,000 to $1,500,000
• Up to 95% LTC for experienced builders (10+ projects, 720+ FICO)
• Up to 75–80% LTC for newer builders
• Rates from 9.999% to 11.25%
• Interest-only, 18-month term
• Draw schedule aligned to construction milestones
• No prepayment penalty
• Available in 47 states
Who It's For
Residential builders and developers on SFR, PUD, and new residential construction projects. Experience-based pricing rewards proven builders with better rates and higher LTC — the more you've built, the better your terms.
How It Works
Submit your project details, plans, and builder background. MidPoint underwrites to the completed value and your construction track record. Funds are disbursed via draw schedule as construction progresses, keeping your project moving from groundbreak to certificate of occupancy.
MCP Group Up Construction | Residential
MidPoint Capital Partners, LLC offers a tiered suite of bridge lending products designed to meet the unique needs of real estate sponsors across the capital stack. Whether you're acquiring, repositioning, or preparing for an agency exit, our Flex, Prime, and Core bridge programs deliver speed, certainty, and structured flexibility — with competitive terms tailored to deal size and complexity.
MCP Constuction | Sunbelt
The Prime Bridge offering is tailored for mid-market multifamily sponsors with a clear exit strategy. With an attractive spread, it supports lease-up, renovations, or asset seasoning prior to a permanent loan takeout
MCP Construction Loan | Institutional Commercial
MCP Construction Loan | Institutional Commercial
MidPoint’s Core Bridge product is designed for experienced operators managing larger deals with proven execution. With the most favorable pricing and longest term, it supports larger multifamily transactions at scale.
Loan Products
Fix & Flip
When you find the deal, we fund it — fast. Our fix & flip programs cover $75K to $3M, up to 95% LTC for experienced investors, 100% renovation funded, and closings in 2 weeks or less. No appraisal required under $750K. No prepayment penalty. We also offer a Sunbelt-specific program with closings in as little as 24 hours across AZ, CO, GA, TN, TX, and NC. If the numbers work, we'll make it happen.
Bridge Loan
Need to move fast on an acquisition, refi, or value-add deal? Our bridge loan programs offer short-term financing from $100K to $75M across residential and commercial properties — with LTV up to 75%, interest-only terms, and closings in as few as 24 hours. No DSCR requirement on select programs. We bridge the gap while you execute the plan.
Construction Loan
From spec homes to large-scale commercial development, MidPoint has a construction program built for it. We fund ground-up residential construction from $75K to $1.5M and institutional commercial projects up to $75M — with flexible draw schedules, interest-only terms, and closings built around your timeline, not ours.
DSCR & Rental Loans
Qualify based on the property's cash flow — not your personal income. Our DSCR rental loan programs cover 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required. Built for buy-and-hold investors who want a clean, scalable financing solution.
Multifamily
From small multifamily acquisitions to large-scale apartment repositioning, MidPoint has the right capital stack for the deal. Our multifamily programs cover bridge financing from $100K to $50M, ground-up construction up to $75M, and DSCR rental loans up to $3M — with LTV up to 85% and no personal income required on select programs. Value-add, stabilized, lease-up, or new construction — we fund it all.