Constructive Capital
- Terri Antonson
Director
Long Term Rental Loan | |
| Property Types | 2-4 Units, SFR |
| Lendding Area | NATIONWIDE |
| Loan amount Minimum | $50,000 |
| Loan amount Maximum | $2,000,000 |
| Interest Rate Minimum | 6% |
| Terms | 10 / 1 year, 30 year |
| Credit Score Min | 660 |
| Entities | Foreign National, Individual, LLC - Limited Liability Corporation, LP - Limited Partnership, Corp - Corporation |
| Prepayment Penalty | No Prepayment Penalty, 1 year, 2 years, 3+ years, 5,4,3,2,1 |
| Reserve Requirement | 6 months |
| Updated as of | 2026-06-05 |
Rehab Loan | |
| Property Types | 2-4 Units, SFR |
| Lendding Area | NATIONWIDE |
| Loan amount Minimum | $100,000 |
| Loan amount Maximum | $2,500,000 |
| Interest Rate Minimum | 8.75% |
| Interest Rate Maximum | 12% |
| Points Maximum 1st TD | 1 |
| Terms | 1 year, 18 month |
| Typical Days Required to Fund | 11-15 Business days |
| Credit Score Min | 680 |
| Lien Position | 1st |
| Reserve Requirement | None |
| General Pricing or Guideline info | - Minimum Loan Amount = $100,000 - Maximum Loan Amount = $2,500,000 - Minimum FICO = 680 - Rehab Cost > As-Is Value and Purchase Price is Ineligible - Ground Up New Construction is Ineligible - All Units Must be Non-Owner Occupied - Term: 12 months, add 0.50% origination fee for each additional 3 month period (maximum term 18 months) |
| Updated as of | 2026-06-05 |
Long Term Rental Loan | |
| Property Types | Multi Family |
| Lendding Area | NATIONWIDE |
| Loan amount Minimum | $250,000 |
| Loan amount Maximum | $2,000,000 |
| Entities | No Foreign Nationals |
| General Pricing or Guideline info | Appendix H: Multifamily (5–8 Units Only) GUARANTY REQUIREMENT Full Recourse to warm body ELIGIBLE PROPERTY TYPES Units 5 to 8 units MINIMUM CREDIT SCORE 680 ELIGIBLE TRANSACTION TYPES Purchases Refinances (No Cash Out & Cash Out) No Cash Out No additional restrictions Cash Out Limitations: Min 700 FICO DSCR <1.50X will require 2nd level approval MINIMUM LOAN AMOUNT $250,000.00 MINIMUM VALUE $350,000.00 DSCR REQUIREMENTS 1.30x TRADELINE REQUIREMENTS Minimum of 3 credit lines Minimum 1 active trade line At least 1 trade line with 24+ month rating and 2 lines must be rated for 12 months (open or closed) An acceptable 12–24-month housing history not reporting on credit may be used as a tradeline Alternative Tradeline use is ineligible TENANT OCCUPANCY For 5 to 8 multi-family unit properties, no more than one (1) unit will be permitted to be vacant. LOAN SIZING: LTV/LTC RESTRICTIONS 65% maximum LTV |
| Updated as of | 2022-01-01 |
Summary of all Guidelines | |
| Loan Types | Bridge Loan, Construction Loan, DSCR Loan, Investment property Line of Credit, Rehab Loan |
| Property Types | 2-4 Units, Condo, Mixed use, Multi Family, SFR |
| Lendding Area | Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming |
| Loan amount Minimum | $55,000 |
| Loan amount Maximum | $2,500,000 |
| Interest Rate Minimum | 6.75% |
| Terms | 30 years |
| Interest Only or Amortized | Interest Only, Amoritzed |
| Prepayment Penalty | 5 years |
| LTV Bridge | 75 |
| LTC Construction | 90 |
| ARV Rehab & Construction | 75 |
| LTC Rehab | 90 |
| LTV Long Term Rental | 80 |
| Intended Occupancy | Tenant |
Constructive Mortgage Services is a National Lender that works with brokers to provide their real estate investor clients with an extensive product set to help achieve their real estate investment goals.
Constructive Mortgage Services features two types of Business-Purpose Lending: Bridge Financing (Fix and Flip, Renovation Loans) and Single-Asset Rental Property Loans.
-Fix and Flip Loans require no personal income or employment verification. Underwriting is based on investment track record and borrower liquidity/net worth.
-Constructive’s Single-Asset Rental Loan is a fully-amortizing commercially underwritten loan. Eligibility is based on property cash-flow, and there is no limit to the number of properties that can be financed.
-Constructive lends to both individuals and eligible corporate entities.
-Financing is available for established vacation rental properties.
Constructive’s common-sense guidelines and streamlined documentation requirements enable your clients to respond to investment opportunities quickly. A simple broker agreement is all it takes to get started and there are no warehouse line requirements.
They offer financing for Bridge Loans, Construction Loans, Investment property Line of Credit, DSCR Loans and Rehab Loans. The property type they primarily lend against is SFR, Multi Family, Condo, Mixed use and 2-4 Units. Their minimum loan amount is $55,000. Their maximum loan amount is $2,500,000. They offer loans for a minimum Term of 1 year. Maximum duration of 30 years. Although rates can change they are typically lending at a minimum rate of 6.75%. Points charged are deal specific, but historically have charged a minimum of 0. Maximum points charged are 0.
These descriptions are limited information and meant for general reference purposes.