How It Works
A Clear Path From Deal to Funded
No black box. Here is exactly what happens from the moment you send a deal to the day the loan closes — and what to have ready to move fast.
The Short Version
Four Steps
Most investors are through the first three steps within a day or two of sending the deal.
01
Tell Us About the Deal
Send the address, the numbers and the plan. A short conversation usually replaces a long application.
02
Tell Us About the Deal
We stress the purchase price, budget, ARV or completed value and the exit to see what the deal actually supports.
03
Tell Us About the Deal
The file goes to the lenders whose programs fit the property, the borrower and the timeline — then we compare the terms that come back.
04
Tell Us About the Deal
We coordinate underwriting, valuation, title and insurance through closing, and stay on the file for construction draws.
How It Works
Four Steps From Deal to Closing
01
Deal Submission
You send the address, the numbers and the plan — purchase price or value, budget, ARV or completed value, timeline and exit. A short form or a phone call is usually enough to start.
02
Deal Sizing
We stress the file against loan-to-cost, loan-to-value and after-repair value, plus your experience and credit profile, to determine realistic leverage before anyone gets a term sheet.
03
Lender Matching
The file goes to the lenders whose programs actually fit — by property type, state, borrower profile, speed requirement and business plan — rather than one house rate sheet.
04
Quote Review
We walk you through what came back: leverage, pricing, points, term, draw mechanics, prepay and any conditions worth negotiating. You choose the path.
05
Third-Party Items
Appraisal or valuation, budget feasibility review where applicable, insurance binder, title commitment, entity documents and background/credit verification get ordered in parallel.
06
Underwriting
The lender verifies the collateral, sponsor and exit. We manage the condition list so it does not sit — most delays are documentation delays, not decision delays.
07
Closing
Docs go to title, funds are wired and the loan records. Renovation or construction holdbacks are set up as part of the closing package.
08
Draws & Servicing
On rehab and construction files, we help you run the draw cycle — request, inspection, funding — and stay available through payoff or refinance.
Be Ready
What to Have Ready
Complete files get quoted faster and close faster. You don't need everything to start a conversation — but you'll need most of it to close.
Property address, type and current condition
Purchase contract or current value estimate
Existing loan balance and payoff, if refinancing
Line-item renovation or construction budget
ARV or completed value support (comps or appraisal)
Borrower entity name and formation state
Estimated FICO range
Completed projects in the last 36 months
Liquidity available after closing
Desired closing date and exit strategy
Ready When You Are
Send Us the Deal
Share the address and the numbers. We'll come back with initial sizing and the fastest path to funding.
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Southwest Florida - Sarasota, DeSoto, Charlotte, Lee & Collier Counties
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