From Wall Street to Main Street

Our founding team and advisors have Wall Street experience and a track record of generating returns across asset classes. We introduce sophisticated techniques to an unsophisticated market.

92%

of flippers that do more than 2 flips a quarter use us as their main lender for refinance and fix-and-flip loans

88%

of current investors have been with us for more than 3 years

$50MM

Assets Under Management

Our story

In 2018, three bankers got together in Connecticut. Kyle, Joe, and Ricardo engaged in ordinary small talk: the weather, their lunch, and the shortcomings they saw in the real estate lending industry (More big than small).

“There’s a gap in the market,” Kyle said in more colorful language. “Lenders are profiting substantially, but fail to provide adequate value to their clients, burdening them with excessive fees and outdated approaches.”

What if the traditional lending practices weren’t the only way?

The group founded Constitution Lending: a hard money lender initially focused on acquiring distressed real estate assets in Connecticut. By 2019, the company was leveraging their real estate expertise to purchase nonperforming loans.

In 2020, Constitution launched its loan origination business to address the decline in fix-and-flip and bridge lending markets.  Specializing in hard money loans, the company aimed to provide accessible financing options for real estate investors.

Today, Constitution stands as a reputable player in the Connecticut real estate landscape. With over $100 million originated in hard money loans and a portfolio of 400+ units under management—all within the state—alongside $40 million+ in nonperforming loans acquired, the company continues to uphold its commitment to professionalism, integrity, and client-focused solutions.

Leadership team

Kyle O’Hehir

Co-founder, Managing Partner

Kyle started his career in fixed income on a trading desk at J.P. Morgan before joining multi-strategy hedge fund Millennium. In 2018, Kyle left Millennium to manage his own capital with an emphasis on real estate debt investing. He has experience investing across the real estate capital structure, including first and second lien mortgages, tax liens, and equity. He holds a B.S. in mathematics from the University of Maryland.

Ricardo Sims

Co-founder, Managing Partner

Ricardo spent 3 years on Wall Street trading interest rate derivatives before joining Kore Capital, a Florida based Hedge Fund. At Kore, he focused on Mezzanine and Commercial loan origination as well as continuing to trade interest rate derivatives, this time on mortgage backed securities. After this experience, he became a partner of Constitution as head of acquisitions and originations of asset based loans.

Joseph Motta

Co-founder, Managing Partner

Joseph started his career on Wall Street working in Mergers & Acquisitions and Restructuring at Agile Equity. There he specialized in distressed situations and guided clients through workout scenarios or sales processes. In 2017, Joe left Wall Street to pursue ventures in private credit and real estate. He has experience investing in distressed credit, value-add real estate, and real estate development projects.

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