Constructive Loans dscr wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
Constructive Loans (Plano, TX) advertises DSCR lending to mortgage brokers. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
Constructive Loans is headquartered in Plano, TX and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced dscr lending when we last checked them on 2026-07-26, alongside 4 other advertised product types in this directory. Constructive Loans does not publish a comparable wholesale-only production figure, so no volume is shown on this page.
Qualification from the subject property's rent-to-payment ratio instead of borrower income, typically allowing LLC vesting and prepay buydown options. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 80% LTV, on loan amounts between $75K and $3M. Accepted documentation typically includes dscr / cash flow, no ratio, with investment property occupancy and single family, warrantable condo, 2-4 unit, 5+ unit / multifamily property types in scope. Those parameters describe the channel, not Constructive Loans's own matrix — pull the current guideline from the lender before you quote.
Yes. Constructive Loans's public broker materials referenced dscr lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by Constructive Loans, not by this directory — start at its constructive loans official website and confirm current requirements.
Constructive Loans does not publish its dscr matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 80% LTV. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $75K and $3M, using dscr / cash flow, no ratio documentation on investment property occupancy. Constructive Loans may sit tighter or looser than that range on any single field.
From Constructive Loans directly — its constructive loans official website is linked in every source column on this page. Constructive Loans does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.
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