Wholesale Lending for Private Mortgage Brokers & Lenders

​Constructive Loans 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. We fund two types of Business-Purpose Loans: Rehab Fix & Flip and Single Asset Rental Loans.

Benefits of Partnering with Constructive:

  • Earn a yield spread by adjusting the interest rate
  • White Label – We fund using an entity that is not known to the public
    • Available to Qualified 3rd Party Partners
  • Simple Qualification – no warehouse line or net worth requirements
  • Attractive Fee Structure
    • No Points/Origination Fee to Constructive for Long-Term Rental Loans
    • 1.0 – 1.5 Points Origination Fee to Constructive for Fix & Flip Loans
    • We charge a flat Processing Fee and Doc Fee per loan

A simple broker agreement is all it takes to get started.

Wholesale Loan Programs

Residential Fix & Flip

  • No Income or Employment Verification Required
  • Loans underwritten based on Real Estate Investment Track Record and borrower liquidity/net worth
  • No limit to the number of properties that can be financed
  • Lending directly to an LLC, S Corporation, Individual, or other eligible entity
  • Flexibility for borrowers of all levels of experience
  • Fix and Flip Lines of Credit also available
  • Eligible property types include 1–4 Family, Condos, Mixed-Use, and Multi-Family

Long-Term Rental for Single Asset

  • Eligible property types include 1–4 Family, Condos, Mixed-Use, and Multi-Family
  • Vacation rental properties considered
  • We lend based on property cash-flow
  • Commercial lending, underwritten based on Debt Service Coverage Ratio (DSCR), not personal Debt-to-Income (DTI) ratios
  • No limit to the number of properties that can be financed to same borrower
  • Lending directly to an individual or to an eligible entity
  • Minimal documentation requirements
  • Fully Amortized with terms up to 30 years
  • NO portfolios (blanket loans)

At Constructive, we believe there is a better way to service the mortgage industry. A more valuable, stress-less way where clients are satisfied, not exhausted. We’re obsessively passionate about it, and our mission is to help people.

This advertisement 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.

Constructive Loans is a division of Fay Servicing, LLC. Founded in early 2008, Fay Servicing specializes in providing innovative servicing solutions for both current and past due mortgages. Before founding our company, we conducted an exhaustive analysis of the mortgage servicing industry and gained valuable insight into the problems facing mortgage servicers and their customers. With that insight we set out to build a different kind of servicing company from the ground up.


Office Locations

1601 LBJ Freeway, Suite 150, Farmers Branch, Texas 75234

Real Estate Sectors

  • Private Mortgage Lending

Customer Types

  • Private Mortgage Lenders
  • Commercial Mortgage Brokers
  • Residential Mortgage Brokers