Our Process

We’re a direct lender powered by a group of individual investors. That means no middlemen, less paperwork, and faster answers. Our deal-first approach looks at the property, the project, and your experience together. Once we have your full submission, you’ll usually have a clear direction within 48 hours.

Step 1 · Initial Contact

A quick conversation to get your project moving.

We’ll cover the basics—property details, budget, how much cash you’re bringing in, your timeline, and your real estate experience.

Most importantly, we want to see that you can cover monthly payments and that you have a clear exit strategy. If your plan is to sell, we’ll look at market conditions; if it’s to refinance, we’ll focus on your capacity to transition into a long-term loan.

Step 2 · Underwriting

In underwriting, we verify income, credit, and available cash. To do that, you’ll provide a few key documents:

  • Tax returns (2 years)
  • Bank statements (2 months)
  • A line-item renovation budget
  • Architectural plans, if applicable

With everything in hand, we can usually give you a clear direction within 48 hours.

Step 3 · Closing

Once underwriting is complete, we issue a commitment letter outlining your loan terms. From there, we coordinate the final details—title work, appraisal, insurance, and any last requirements.

Because our process is streamlined, you can often close in just a few days and move forward with your project with confidence.

Your Success is our Success!

A common-sense approach…

We’re a direct lender, sourcing funds from in-house investors—not brokers or banks. That means you work with decision-makers who understand real estate and move at your pace. Every loan is evaluated by looking at the property, the project, and your experience together—not just the paperwork. Our process is designed to be simple, transparent, and fast. Here’s how it works:

Initial Contact icon

Step 1 · Initial Contact

A quick conversation to get your project moving.

Deal-first questions

  • Property address — purchase or refinance?
  • If construction/renovation: budget and estimated ARV.
  • How much cash you’re putting into the deal.
  • Project timeline and exit strategy.
  • Your real-estate investing experience.
Underwriting icon

Step 2 · Underwriting

Critical step—complete info keeps the project moving.

We verify what matters

  • Total income, credit history, available cash.
  • Provide: 2 years tax returns (business & personal).
  • Provide: 2 months bank statements (business & personal).
  • Provide: line-item construction/renovation budget.
  • Provide: architectural plans (if applicable).

With a full submission, you’ll typically have clear direction within 48 hours.

Closing icon

Step 3 · Closing

Commitment letter issued; we coordinate the finish.

Final details

  • Commitment letter outlining all loan terms.
  • Title work, appraisal, insurance, and any final requirements.
  • Streamlined logistics so you can close in days.