📄 Have these 4 documents ready
This is what gets you to closing — have them ready to upload.
- Driver's License — for all guarantors
- Articles of Organization — your LLC formation docs
- Operating Agreement — signed
- Purchase Agreement — fully signed, with all addenda
🔢 The numbers we'll ask for
- Purchase price
- Total rehab budget — line-itemed
- After-Repair Value (ARV) + 3 comps that prove it
- Exit strategy — sell or refinance to rental
Read this: A guessed ARV is the #1 thing that stalls a file — we literally can't size your loan or your profit without it. Bring 3 recent comparable sales.
👷 Tell us about your experience
Your track record helps us move faster and price your deal. New to flipping? You're still welcome — just give us the full picture.
- Your track record — how many flips or rental rehabs you've completed in the last 3 years (and roughly where).
- Projects in progress — any active deals you currently have open with us or another lender.
- This deal's team — your contractor, and whether you've worked with them before.
First-time investor? No problem — we fund new borrowers. A strong deal (real ARV + comps), solid reserves, a clear scope of work, and an experienced contractor or partner go a long way. Just be upfront about where you are; it helps us help you.
💡 Tips for a fast approval — from our underwriting team
- Nail your ARV with real comps. Pull 3 recent comparable sales near the property. This single number drives your entire loan.
- Form your LLC in the property's state (or register to do business there). A mismatched entity slows title and loan docs.
- Line-item your rehab. A simple room-by-room budget proves your number is real and sets up your draw schedule.
- Keep reserves. Rehab is funded through draws — reimbursed as work is completed and inspected — so plan to carry costs between draws.
- Send everything at once. One complete package beats five partial emails and gets you a decision faster.
What to expect from us
- A short-term, interest-only bridge loan (typically 6 months, first lien), funded on purchase price + rehab budget.
- We produce your Term Sheet, loan documents, title commitment, and wire instructions — you focus on the deal.
- Fast decisions: many approvals in under an hour once your file is complete.