VERDICT
Hard-money lender and real estate debt investing platform - constlending.com
Depends. A fit if you are a real estate investor needing fast hard-money or DSCR loans, or an accredited investor chasing advertised 10-14% yields on private debt. Wrong for owner-occupant homebuyers, non-accredited investors, or anyone wanting liquid, cheap, insured products.
Medium. Based on 14 public sources; review counts are small (17 WalletHub ratings, Trustpilot 4/5 from Feb 2021), so treat service-quality signals as weak.
10-14% APY advertised return
Real estate notes
high
$250K+ minimums on most funds lock out smaller investors; confirm note minimums before wiring money.
high
Advertised yields (10-14% APY; 57.6% on one NPL fund) are targets or past results, never guaranteed.
medium
Named in PeerStreet's 2023 Chapter 11 creditor filings — private loan platform counterparties can and do fail.
low
Trustpilot snapshot is from Feb 2021; recent independent feedback is thin outside WalletHub's 17 ratings.
Value for money: 3/5
Rating
10-14% APY advertised return
Starting price
14
Sources
Analyzed
10-14% APY advertised return
Not published; schedule a call
No known vulnerabilities found in the sources reviewed.
Feedback is sparse but positive: investors call it easy and repeatable, originators praise the broker program, and Trustpilot sits at 4/5.
“Investing with Constitution Lending has been a breeze!”
“I've done 30+ loans with Constitution this year and they have all...”
“Constitution Lending has a pretty good broker program. They're pricing is...”
Compare Constitution Lending with each alternative.
Established fix-and-flip hard money lender; 2025 roundups pick it for flips
Constitution Lending vs KiaviCheaper investor mortgages on stabilized rentals if you can wait
Fractional real estate with tiny minimums; equity exposure instead of debt
Based on 14 public sources; review counts are small (17 WalletHub ratings, Trustpilot 4/5 from Feb 2021), so treat service-quality signals as weak.
Hard-money lender for real estate investors plus private debt funds. Fits flippers and accredited investors; not regular homebuyers.
Based on 14 public sources; review counts are small (17 WalletHub ratings, Trustpilot 4/5 from Feb 2021), so treat service-quality signals as weak.
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