Constitution Lending vs Kiavi

Constitution Lending and Kiavi both land on Depends.

Constitution Lending

constlending.com

Analyzed September 29, 2026

Depends

Confidence: Medium

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.

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Kiavi

kiavi.com

Analyzed September 30, 2026

Depends

Confidence: Medium

Buy if you're an active real estate investor needing fast fix-and-flip or DSCR leverage and accept hard-money pricing.

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Constitution Lending versus Kiavi
Compare	Constitution Lending	Kiavi
Verdict	Depends	Depends
Best for	Fix-and-flip investors needing fast capital	Active house flippers needing speed
Who it's not for	Owner-occupant homebuyers . this is investor-only lending	Owner-occupant homebuyers . investors only
Privacy	No known public vulnerabilities found in the sources reviewed.¹³	No known public vulnerabilities found in the sources reviewed; maintains a HackerOne response policy and uses Cloudflare.
Support quality	Repeat borrower completed 30+ loans this year	Rep praise exists; disappointment complaints too
Public sentiment	Feedback is sparse but positive: investors call it easy and repeatable, originators praise the broker program, and Trustpilot sits at 4/5.^¹	Sentiment is mixed: praise for speed and specific reps alongside complaints about rejections and disappointing experiences.
Biggest gotcha	$250K+ minimums on most funds lock out smaller investors; confirm note minimums before wiring money.^⁹	State coverage varies: Florida lending paused indefinitely.

Pick Constitution Lending when

Fix-and-flip investors needing fast capital
DSCR rental-property borrowers
Accredited investors seeking real estate debt yields
Loan brokers

When Constitution Lending is not a fit

Owner-occupant homebuyers . this is investor-only lending
Non-accredited small investors . funds assume accredited capital
Anyone needing cheap, liquid, government-insured investments
Savers who cannot stomach $250K+ minimums or illiquidity

Pick Kiavi when

Active house flippers needing speed
Rental investors using DSCR leverage
Investors who can't qualify conventionally
Brokers placing investor deals

When Kiavi is not a fit

Owner-occupant homebuyers . investors only
Florida-based investors right now
Borrowers who qualify for conventional mortgages
Thin-file or first-time borrowers . rejections reported

Sources

Constitution Lending Reviews: 17 User Ratingswallethub.com
review
Constitution Lending Reviews . Trustpilottrustpilot.com
review
Struggling to close DSCR deals . r/loanoriginatorsreddit.com
review
Constitution Lending Review . Yieldtalkyieldtalk.com
review
Best Hard Money Lenders . HousingWirehousingwire.com
news
Constitution Lending homepageconstlending.com
official
Invest in Real Estate Notesconstlending.com
official
Private Credit Funds: Constitution Lending Fund Overviewconstlending.com
official
Investing in Real Estate Debt Fundsconstlending.com
official
Constitution Real Estate Credit Fund Aug & Sep 2025 Updateconstlending.com
official
PeerStreet Chapter 11 filings listing Constitution Lendingcases.stretto.com
news
Alto IRA . Constitution Lending accredited investor noteunderstandbusinesslikeai.com
news
Constitution Lending security pageconstlending.com
security
Constitution Lending privacy policyconstlending.com
security
Kiavi homepagekiavi.com
official
Kiavi press: 100,000 loans fundedkiavi.com
official