This is not a rate quote. Rates change frequently and depend on credit, leverage, coverage ratio, property type and borrower experience — see the full Constructive Loans profile or compare terms across the full lender directory.
Constructive Loans rate and pricing terms
| Interest rate range | 9%–12% |
|---|---|
| Origination points | 1 – 3 |
| Max LTV | 80% |
| Max LTC | 90% |
| Minimum loan size | $75K |
| Maximum loan size | $5.0M |
| Typical close time | 10-21 days typical |
What moves your rate with Constructive Loans
Constructive Loans does not publish a minimum credit score or minimum DSCR figure. Both are standard rate-grid inputs for non-QM lenders generally, so expect them to factor into any quote even though the specific thresholds aren't published.
Constructive Loans highlights the following as differentiators: experienced new construction underwriting; broad product suite.
What this rate range doesn't tell you
A quoted rate is never the whole cost. Constructive Loans's 1–3 points are paid at closing on top of the interest rate, and the exact point charged within that range depends on the specific deal. DSCR and hard-money pricing is also tiered rather than flat — lenders in this category generally price better as leverage drops and coverage ratio rises, and worse as either moves the other way. None of that tiering detail is published by Constructive Loans, so treat the range above as a starting point for a conversation, not a final number.
Constructive Loans Rates FAQ
Constructive Loans's indicative rate range is 9%–12%. These figures are drawn from Constructive Loans's published materials and should be confirmed directly with the lender before relying on them.
Yes. Constructive Loans's published origination points range is 1–3 points, in addition to the interest rate.
Constructive Loans's published maximum LTV is 80%. Lower leverage generally prices better than the maximum.
Constructive Loans does not publish a minimum credit score or DSCR figure alongside its rate range.
Constructive Loans's typical close timeline is 10-21 days typical. Close speed and rate are separate terms — a faster timeline is not itself a discount unless the lender states one.
No. Constructive Loans's rate range is indicative and changes with market conditions, credit, leverage, coverage ratio and borrower experience. Request a written quote directly from Constructive Loans before relying on any figure here.
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.