Answer the quick reads below. The deal breaks at the first joint that fails, in lender order. You will get the break point, the verdict, and the next move.
Is the borrower credible, experienced, and able to fund their share?
Is the asset real, correctly valued, and clean to lend against?
Does the income cover the debt, and is the loan inside program limits? (Run the numbers in Calculators.)
Is the loan built to fit the deal, with a clear way out?
Are the documents in hand, and do the numbers tell one consistent story?
Does the market support the value and exit, and is the timeline realistic?
Pick a calculator. Everything updates live and is for qualifying only, never a quote.
Enter the lender's floors. The tool returns the largest loan that clears all three tests and tells you which one binds.
Profit = ARV minus purchase, rehab, financing, closing/holding and selling costs. The 70% rule (ARV × 0.70 − rehab) is a fast offer sanity check, not a hard limit.
Cash invested is the down payment plus closing and rehab out of pocket. Cash flow = NOI minus debt service.
Value = NOI ÷ cap rate. Enter a known value to back into the implied cap.
A rough cost of carrying the loan over the hold. An estimate, not an APR or a Reg Z disclosure.
Will the stabilized deal refinance out of the bridge? Enter the take-out terms and the bridge payoff.
EGI = gross rent minus vacancy, plus other income. NOI = EGI minus operating expenses, before debt and taxes.
The ratio DSCR lenders actually use: rent divided by principal, interest, taxes, insurance and HOA. Most want 1.00x to 1.25x or better.
The occupancy needed to cover expenses and debt: (OpEx + debt service) ÷ gross potential rent. Lower is safer.
Loan constant = annual debt service per dollar of loan. Cap rate above it means leverage lifts returns (positive). Below it, leverage drags (negative).
Hold past the breakeven and the buydown pays off. Short holds favor keeping the cash. An estimate, not a quote.
The balance still owed when the term ends. That is the number the exit, a sale or a refinance, has to cover.
Total payback = advance × factor rate. The APR is a declining-balance estimate of the true cost, not a Reg Z figure. Use it to steer borrowers toward cheaper capital when you can.
Four quick reads and you will know the tier and product to pursue, the docs to grab, and any mismatch to flag before you waste a submission.
Pick the product and a deal name. Check items off as they come in. Send the borrower exactly what is outstanding, and print a clean intake sheet.
Fill the blanks once and every script personalizes. Tap copy and send.
Search the pushback you are hearing. Tap to open the response.
Log your live deals. The tool flags anything stale, an overdue follow-up, or a submission waiting too long on a lender.
Project commission from your live deals at your split, and see exactly what your next level is worth.
Commission = loan amount × lender fee % × your split. Expected applies your odds. Your split comes from your level (top of screen).
Every funded deal is a referral source. Ask while the win is fresh, then track who sent what.
Plain-English definitions for the terms that trip up newer agents.
