Earn 10%-14% Interest Investing in Short-Term, Real Estate-Backed Loans We Originate
Start with just $1,000
Loans are secured by real estate worth significantly more than the owed balance
If a borrower stops paying, we pay you—out of our pocket—for up to 6 months
Receive your principal investment after the 6 to 18-month loan term
Our investors have never suffered a principal loss
What Sets Constitution Lending Apart from Other Investment Platforms
We invest alongside you: We fund every loan on our platform with our capital and hold at least 50% through the full term. So, our financial interests align in seeking strong and reliable loan performance.
Our loans are secured by real estate worth at least 25% more than the owed amount. Even in rare worst-case scenarios — such as a 25% drop in property value within the 6-to 18-month loan term — investors can still recover their full principal.
We have some of the lowest default rates, under 2%. This means that fewer than 2% of our borrowers default, demonstrating the quality of our loans. The median default rate in the U.S. is 4%, with many investment platforms having default rates of 4% or higher.
We offer a payment guarantee: In the event of default, we will pay you 6 months of interest payments while we liquidate the property and return your principal investment.
Investing with us is more affordable and passive: You can start with $1,000 and don’t have to underwrite, originate, or service loans yourself.
10% to 14% returns: Because we close loans in just 7-14 days — significantly faster than banks, which often take 40+ days — borrowers are willing to pay higher interest rates, ranging from 10% to 14%.
What Investors Say About Our Loan Investment Options
How to Invest in Our Real Estate-Backed Loans in 3 Steps
Step
Sign up for an investment account and browser through the investment opportunities on your dashboard. You’ll be able to review key details for each loan, including loan amount, property value, as-is LTV, after-repair LTV, yield to maturity, note position, and the borrower’s credit score and real estate experience.
Step 2
Choose a loan that you’d like to invest in, connect a bank or retirement account, and specify your investment amount.
Step 3
Receive borrower interest payments via an ACH into your bank account every month. After the loan term is over — 6 to 18 months — you receive your entire principal investment.
Constitution Lending vs Other DSCR lenders
Co-Investment (Skin in the Game)
Yes – Constitution Lending invests alongside you
No – Platform typically acts as a broker or marketplace
Payment Guarantee
Yes – We will pay you every month for up to 6 months if borrowers default
No – Investor assumes borrower risk
Capital Protection / LTV
Conservative LTV (≤ 75%) for downside protection
Often high LTVs (75–90%) increase risk
Default Rates
Under 2% due to the quality of borrowers we lend to.
Varies – investors absorb losses
Target Returns
10% – 14% fixed, predictable returns
Typically 6% – 10%
Minimum Investment
$1,000 – low barrier to entry
Requires you to purchase the entire loan, which can cost upwards of $100K
Liquidity
High – Investors receive their principal in as little as 6 to 18 months
Low – Locked for 5 to 30 years — exit options available in some cases
Fee Structure
No management fees
May charge platform, origination, or servicing fees
Transparency
Investors can view everything they need to know on their dashboard, including LTV, loan term, borrower credit score, and so on.
Varies – many platforms lack detailed reporting
Due Diligence
All deals sourced and underwritten in-house
Often sourced externally with minimal platform oversight
Investor Support
Direct access to the founding team and underwriters
Standard customer support, limited insight
Deal Flow Consistency
Regular pipeline of vetted, asset-backed deals
Inconsistent deal availability
Frequently Asked Questions
What Types of Loans Does Constitution Lending Originate?
Constitution Lending primarily originates 6 to 18-month-long commercial loans used to rehab or construct investment properties. Due to the short-term nature of these loans, investors typically earn higher interest rates than they would with longer-term investments, ranging from 10% to 14% annually.