Groundfloor Lending: published loan terms
Groundfloor Lending publishes terms for fix and flip, bridge, ground-up construction and DSCR rental loans. Its fix-and-flip rates start at 9% and its DSCR rental rates at 5.875%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rates starting from 9% (FAQ: '~9.25% for fix-and-flip projects') |
|---|---|
| Loan to purchase / cost | 'Down payments as low as 0% in qualifying situations' |
| Rehab funded | Loans up to 100% of renovation costs |
| Cap on after-repair value | Up to 70% LTARV |
| Points | FAQ: 'underwriting fee (1%–3.75% of principal), a $495 application fee, and $1,250 in closing costs'; points can be financed into the loan |
| Term | Terms from 6 to 18 months |
| Minimum credit score | 640 |
| Experience | Not required ('works with both new and experienced investors'); homepage: 'Five-year lookback on experience' |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Groundfloor Lending's advertised starting rate of 9% would be about $9,743, against $11,366 at the example's 10.5%. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | FAQ: 'Rates start as low as 5.875% for DSCR loans' |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% LTV ('20% down payment') |
| Cash-out LTV | Not published |
| Minimum DSCR | 1.1 DSCR minimum (page text elsewhere says 1.2 / 'minimum one-hundred-twenty percent coverage ratio' - inconsistent on Groundfloor's own page) |
| Minimum credit score | 660 |
| Loan size | Not published |
| Terms | 30 year fixed rates; interest-only options |
Where Groundfloor Lending lends
We lend in 35 states for most products, with new construction and DSCR options available in all 50 states. (FAQ)
Loan size
$75,000 to $2.5 Million+ / $3.5M, as published.
Other details from its website
Fix and flip: 'No monthly payments with a fully deferred payment structure' (monthly-payment option also offered; deferred-interest loans may price higher); 'No prepayment penalties' on F&F page but FAQ says 'no penalty after the first 3 months; however, a 3-month minimum interest requirement applies'; no hard credit pulls; minimum property value $50,000.
Licensing disclosure
Groundfloor Credit 1, LLC is licensed in MN (License #MN-MO-2720669). NMLS #2720669.
Source
Read on 2026-10-24 from lending.groundfloor.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Groundfloor Lending, and Groundfloor Lending did not review this page.
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