How We Underwrite
We evaluate the project and the sponsor.
Not a checklist. Not a template. Institutional math plus principal judgment — on every file.
AI UNDERWRITING
Lender-grade analysis in 60 seconds.
Our proprietary Scenario Desk, Flip Lab, STR Signal, and Sponsor Brief engines score every deal on the same metrics institutional credit committees use: DSCR, LTV, LTC, ARV spread, debt yield, cap rate. No templates. No guesswork. The math is done before a human opens your file.
60s
AI triage
1000s
Data points per deal
Lender-grade
Valuation output
INSTITUTIONAL CAPITAL
12+ capital programs. One intake.
Every deal is routed to the best-fit program across our institutional capital network — DSCR rentals, fix-and-flip bridges, STR loans, multifamily, ground-up, bridge, and portfolio lines. You submit once. We match to the lender, structure, and term that works for the deal — not the one that pays us most.
12+
Capital programs
48
States covered
$500K–$10M+
Deal size range
DIRECT DECISIONS
A decision-maker on every file.
No LO handoffs. No voicemail chains. No "I'll have to check with underwriting." When judgment is required — a re-zoning delay, a comp exception, a timing call — a decision-maker is already on your file. That's the operational advantage of keeping underwriting in-house.
14–21
Day close
24hr
Term sheet
100%
Principal-touched
The process, start to fund.
Most deals close in 14–21 days. Here's what each stage looks like.
Submit
Tell us about the deal — 90 seconds, no SSN, no hard pull.
AI triage
Scenario Desk scores the deal on DSCR, LTV, ARV, and margin. Real answer in 30 seconds.
Program match
We route to the best-fit capital program across our 12+ institutional relationships.
Term sheet
Written term sheet with rate, fees, and structure — within 24 hours.
Close & fund
Appraisal, title, insurance coordinated by our team. Typical close: 14–21 days.