Constitution Lending
Constitution Lending is a smaller DSCR player with a 0.75 DSCR floor and a 3-month seasoning requirement. Their most notable limitation is that they do not allow short-term rentals at all, which is a hard exclusion in a market where most competitors have added STR programs. This makes them a fit only for long-term rental investors. Limited public documentation and narrower geographic coverage mean you should confirm availability in your state before pursuing.
- 0.75 DSCR floor for long-term rentals
- 3-month seasoning required
- No STR (long-term rental only)
- Smaller lender with limited public documentation
Loan requirements
| Minimum DSCR | 0.75 (at median of 0.75) |
| Minimum FICO | Not disclosed |
| Max LTV (purchase) | Not disclosed |
| Max LTV (cash-out) | Not disclosed |
| Min loan amount | Not disclosed |
| Max loan amount | Not disclosed |
| Prepayment penalty | varies |
| BRRRR seasoning | 3 months |
Programs and coverage
| Short-term rentals (STR) | No |
| Foreign nationals | Not disclosed |
| State coverage | limited coverage |
| Channel | Direct to investor |
Best for
- Investors with thin-margin properties (sub-1.0 DSCR)
How Constitution Lending compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 0.75 matches the market median.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to Constitution Lending, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Cash-Out Refi Calculator to see how much equity you can pull out
- BRRRR Refinance Calculator to model the full buy-rehab-rent-refinance cycle
Frequently asked questions
Is Constitution Lending a good DSCR lender?
Constitution Lending is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 0.75 DSCR floor is in line with the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for Constitution Lending?
Constitution Lending does not publicly disclose a minimum FICO requirement. Contact them directly for qualification criteria.
Does Constitution Lending do short-term rental loans?
No, Constitution Lending does not offer DSCR loans for short-term rentals. They are a long-term rental only lender. If you need STR financing, consider Visio Lending, Easy Street Capital, or Griffin Funding.
Does Constitution Lending work with foreign national investors?
Constitution Lending has not publicly disclosed whether they offer foreign national programs.
What states does Constitution Lending lend in?
Constitution Lending's coverage: limited coverage. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at Constitution Lending?
Constitution Lending's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.