Overview
Constructive Loans has particular strength in new construction and ground-up development financing across multiple states including Illinois.
Constructive Loans is based in New York, NY and was founded in 2017. They operate nationally and offer fix-and-flip, BRRRR, rental, new-construction, bridge financing. Their loan amount range runs from $75K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, bridge |
| Geographic coverage | National |
| Loan size | $75K – $5.0M |
| Interest rate range | 9% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- experienced new construction underwriting
- broad product suite
Ideal borrower
Investor with new construction or ground-up plans
How Constructive Loans compares
As an institutional non-QM lender, Constructive Loans's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Constructive Loans serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Constructive Loans cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Constructive Loans FAQ
Constructive Loans is based in New York, NY and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Constructive Loans's indicative rate range is 9%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Constructive Loans's typical minimum loan is $75K, with maximum loan size up to $5.0M.
Constructive Loans's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Constructive Loans offers fix-and-flip, BRRRR, rental, new-construction, bridge financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor with new construction or ground-up plans
This review is an independent directory listing. DSCR Loan Program is not affiliated with Constructive Loans, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.