Construction Loans in Charlotte, NC for Builders and Real Estate Investors
What Is a Investor Construction Loan?
Investor construction loans offer short-term financing for real estate investors building or renovating non-owner-occupied properties. Based on the project’s future value, these loans provide fast funding, flexible terms, and support for flips, rentals, or new builds.
Is an Investor Construction Loan Right for You?
Investor construction loans may be right for you if you:
• Are a real estate investor building or renovating non-owner-occupied properties
• Have a defined exit strategy like resale or refinance
• Want fast funding and flexible draws for project-based construction
• Need short-term financing based on after-construction value (ARV)
What is Ground-Up Construction Loan?
Ground-up construction loans provide short-term financing to build residential or investment properties from the ground up. These loans cover land acquisition, permits, labor, and materials – and are based on the project’s completed value, not current condition. Ideal for new builds, custom homes, or investor developments.
Is a Ground-Up Construction Loan Right for You?
A ground-up construction loan may be right for you if you:
• Are building a new residential or investment property from scratch
• Need funding based on future completed value (ARV)
• Require financing for land, labor, and building materials
• Want short-term, draw-based funding tailored to construction phases
What Is an Investor Ground-Up Construction Loan?
Investor ground-up construction loans provide short-term financing to real estate investors building non-owner-occupied properties from the ground up. These loans are based on the after-construction value (ARV) and cover costs for land, labor, and materials – ideal for new rental builds, small developments, or flip-to-sell projects.
Is an Investor Ground-Up Construction Loan Right for You?
This loan may be the right fit if you:
• Are an investor building a new non-owner-occupied property
• Need short-term funding for land, materials, and labor
• Plan to rent, sell, or refinance the property after construction
• Want approval based on projected after-construction value
Is a Construction Loan Right for You?
On Point’s construction loans are built for real estate investors, builders, and developers who need fast, flexible financing to fund residential projects from the ground up or through major renovations. Whether you’re flipping, building to rent, or developing for resale, our construction loans are designed to move your project forward – fast.
You may be a great fit if you:
• Need short-term funding to build, renovate, or develop residential properties
• Are working on a non-owner-occupied or investment property
• Want flexible draw schedules and funding based on ARV or completed value
• Have a clear exit strategy, such as resale, rental, or refinance
Fast approvals. Local support. Up to $1M in flexible funding.
Pros and Cons of Construction Loans
What to Know Before You Build or Invest
- Finance land, labor, materials, and more – all in one loan
- Flexible draw schedules based on construction milestones
- Short-term funding based on after-construction value (ARV)
- Ideal for new builds, major renovations, or investment projects
- Can be tailored to rental, resale, or refinance strategies
- Interest-only payments during construction in many cases
- Typically require detailed plans, budgets, and permits
- Shorter terms with tighter deadlines than traditional loans
- May involve inspections or draw request documentation
- Higher interest rates than conventional mortgages
- Can be riskier if construction timelines are delayed
- Not ideal for cosmetic or minor upgrades
Top Reasons to Choose On Point Home Loans for Construction Loans
Local Charlotte Construction Loan Experts
On Point Home Loans is based in Charlotte and understands the local market, permitting process, and lender relationships.
Low Down Payment & Interest-Only Options
Enjoy flexible loan structures-including low down payments and interest-only payments during construction-for easier cash flow.
Fast Draw Turn Times & Approvals
We offer quick draw schedules and loan approvals so your construction stays on track - not delayed.
Finance Land, Labor & Materials in One Loan
Our construction loans cover everything from land acquisition to materials and labor under one convenient financing package.
ARV-Based Lending for Investor & Builder Projects
Borrow based on the after-construction value—ideal for flips, rentals, new builds, and investor developments.
Transparent Terms with No Junk Fees
What you see is what you pay—no hidden or junk fees, plus clear communication every step of the way.
Construction Loans Up to $1M — Fast Funding, No Junk Fees
Build from the ground up with expert-backed construction financing designed for real estate investors and developers.
• Finance land, framing, and finishings in one streamlined loan
• Interest-only payments during construction reduce upfront costs
• Custom draw schedules align with your build phases and cash flow
• Supports ground-up builds, major renovations, and project refinancing
• Loan amounts from $50K to $1M – fund small builds or large-scale housing projects
• No junk fees – just clear, upfront terms tailored for developers and investors
Construction Loan FAQs
A construction loan is short-term financing used to fund the building or major renovation of a property. At On Point, our construction loans cover land, labor, and materials — and are typically based on the after-construction value (ARV), not just the current property condition.
Construction loans are ideal for real estate investors, builders, and developers working on non-owner-occupied residential properties. On Point evaluates experience, project scope, and exit strategy — not just credit score or W2 income.
Our construction loans cover everything from land acquisition and permits to building materials, labor, and contractor costs — all in one financing package.
Funds are released in stages through a draw schedule based on construction milestones. On Point offers fast turn times on draws to keep your project moving.
On Point can issue pre-approvals within 24–48 hours, with closings typically completed in 7–14 business days, depending on project readiness and documentation.
Our loans can be used for ground-up residential builds, infill development, investment properties, and multifamily units (2–6 doors). We support a wide range of investor-driven construction projects.
