Lender profile
Constructive Loans
hard money · New York, NY · founded 2017
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with Constructive Loans before relying on them.
Constructive Loans runs new-construction and ground-up development financing through to a 30-year rental exit, alongside fix-and-flip and BRRRR. Loan sizes run $75,000 to $5,000,000 at up to 80% LTV / 90% LTC, with closings in 10-21 days. Constructive Loans is a hard money lender, founded in 2017, headquartered in New York, NY, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, new-construction, bridge. On the deal itself, Constructive Loans publishes loan sizes from $75,000 to $5,000,000 and leverage up to 80% LTV / 90% LTC.
Constructive Loans is confirmed by SEC filing as a subsidiary of Adamas Trust, Inc. (New York Mortgage Trust, Inc. at the time of acquisition; same SEC registrant, CIK unchanged, rebranded September 2025) (Nasdaq: ADAM). A press-release exhibit to an 8-K states New York Mortgage Trust, Inc. acquired the remaining 50% interest in Constructive Loans, LLC in an all-cash transaction completed through a wholly owned subsidiary, with Constructive continuing to operate as an independent subsidiary of the company. Its figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with Constructive Loans before relying on them.
Published facts
Loan size
$75,000 – $5,000,000
Max LTV
80%
Max LTC
90%
Rate range
9% – 12%
Points
1 – 3
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
Constructive Loans does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
✅ Corporate record confirmed — a subsidiary of Adamas Trust, Inc. (New York Mortgage Trust, Inc. at the time of acquisition; same SEC registrant, CIK unchanged, rebranded September 2025) (Nasdaq: ADAM). 8-K filed Jul 15, 2025 .
A press-release exhibit to an 8-K states New York Mortgage Trust, Inc. acquired the remaining 50% interest in Constructive Loans, LLC in an all-cash transaction completed through a wholly owned subsidiary, with Constructive continuing to operate as an independent subsidiary of the company.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What Constructive Loans has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Constructive Loans about, not as a criticism. Of the 11 criteria categories this directory tracks, Constructive Loans has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
Strengths
- New-construction and ground-up development financing
- 30-year rental exit
- Loan sizes up to $5,000,000
- Covers fix-and-flip, BRRRR, and new-construction under one roof
Who this lender suits
A ground-up or new-construction investor who wants the same lender to carry the project into its 30-year rental refinance
Deal scenarios Constructive Loans clears
Constructive Loans does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what Constructive Loans has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Constructive Loans compares
Constructive Loans is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Constructive Loans's published figures side by side with any other lender's profile directly. Open the directory.
Ownership and status
Ownership & status
Constructive Loans is confirmed by SEC filing as a subsidiary of Adamas Trust, Inc. (New York Mortgage Trust, Inc. at the time of acquisition; same SEC registrant, CIK unchanged, rebranded September 2025) (Nasdaq: ADAM). A press-release exhibit to an 8-K states New York Mortgage Trust, Inc. acquired the remaining 50% interest in Constructive Loans, LLC in an all-cash transaction completed through a wholly owned subsidiary, with Constructive continuing to operate as an independent subsidiary of the company.