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Constructive Loans LLC

Constructive Loans LLC is a private lender established in 2018, specializing in fix-and-flip rehab financing. They offer loans ranging from $50,000 to $5 million with interest rates between 6.99% and 12.99%. Their services include investment acquisitions and refinancing, primarily secured by residential properties.

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Fix and Flip Rehab financing

Details and Requirements

Loan Amounts

$50,000 to $5,000,000

Interest Rates

6.99% to 12.99%

Origination Fees

1.5% to 2%

Loan Terms

9.0 to 18.0 months

Lien Position

1st

Credit Check Required

yes

Minimum Credit Score Required

600

Prepayment Penalty

no

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

10

Payment Structure
  • Interest Only
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
Constructive Loans LLC’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$1,524,458,343

12mo Loan Count

7,080

Total Loan Volume

$7,668,973,150

Average Loan Size

$258,319

Loan Count by State (Past 12 Months)
PA: 1,116, NJ: 667, IL: 1,077, NY: 491, OH: 1,472, FL: 617, LA: 81, MD: 575, TX: 790, CT: 194
Data provided by Elementix | Disclaimer
Info Our minimum loan amount is $50,000

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