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Constructive Capital

We are a National Business Purpose Lender offering Rental Loans, Fix and Flip Loans, and Fix and Flip Lines of Credit to your clients. Working with us is easy because of our streamlined brokerage agreement and the fact that no warehouse line is required.

Long Term Rental Loan
1 - 4 units

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $999,999
Loan amount Maximum $1,999,999
Updated as of 2022-01-01
Program Code LG516

Rehab Loan

Property Types 2-4 Units, Condo, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $100,000
Loan amount Maximum $2,500,000
Interest Rate Minimum 9.75%
Interest Rate Maximum 12%
Terms 1 year, 18 month
Credit Score Min 680
Lien Position 1st
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 2022-01-01
Program Code LG123

Long Term Rental Loan
5 - 8 Unit DSCR

Property Types Multi Family
Lendding Area NATIONWIDE
Updated as of 2022-01-01
Program Code LG122

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.
Constructive Mortgage Services is a division of Fay Servicing, LLC. This website is intended to be used only by mortgage brokers, and only for business purpose mortgage loans to be secured by non-owner-occupied properties. The use of this website DOES NOT constitute an application for a mortgage loan and this website may not be used to obtain a loan approval or rate commitment. Mortgage loan terms and pricing generated by this website are subject to change without notice. All final mortgage loan programs, fees and terms are subject to the provisions of the applicable underwriting guidelines in effect from time to time. Please visit Licensing and Disclosures for important disclosures and for licensing information. For additional licensing information, please visit NMLS Consumer Access.