The money is out there.

Getting it to land on your deal takes structure.

Example deal · 12-unit acquisition · $1.28M

Lenders don't fund piles of cash. They fund structure.

A bank loan covers 64%. A smaller second loan (mezz) fills 12%. Your cash is the last 24%. Stacked the way lenders read it, that's the file we build and put in front of every lender that fits. What do these layers mean?

Stack my deal Start my free prequal

Skip intro ↓

Investment property financing, arranged. Business-purpose loans only.

✓ Free prequal✓ No strings attached✓ No credit pull

Structure the deal before a lender ever sees it.

Model the capital stack, see the ratios lenders underwrite to, and find out which lender types can say yes, and why the others can't. Then we package one clean file and put it in front of every lender that fits.

Start my free prequal

Already applied? Sign in to your portal · Tour the demo deal room

Free prequal. No strings attached. No credit pull, no Social Security number, no ID. Credit and background checks come later, only if you prequalify and only with your consent.

Paid only when your loan closes. The fee shows on your term sheet and settlement statement.

Investment and commercial property only. Not homes you live in.

Stella, our AI guide, helps you navigate your loan. She explains every step and number. People make the decisions.

Model my loan · live capital stack

Sources of funds

0lender types fit these numbers · 0 need a closer lookSee the reasons ↓

Happy with the numbers? They carry straight into your prequal.Start my prequal with these numbers →

The capital stack, in plain English

Three layers pay for a property.

Think of a line at the bank. Whoever is first in line gets paid back first, so they take the least risk and charge the least. Whoever is last takes the most risk and keeps the upside.

🏦

Senior loan · usually 60–75%

The main mortgage from a bank or private lender, secured by the property. The biggest piece and the cheapest money, because it's paid back first.

🧩

Mezz or preferred equity · optional, 0–15%

A smaller, pricier second layer that fills the gap when the senior loan isn't enough and you'd rather not bring more cash. Paid after the senior loan, before you. Many deals skip it.

💰

Your equity · usually 20–35%

Your cash (and any partners'). Paid last, so it carries the most risk, and it keeps everything the property earns and gains after the loans are paid.

Example from the intro: a $1.28M purchase = $820,000 senior + $153,000 mezz + $302,300 equity. Drag the sliders in Model my loan to build yours.

What are you financing?

Pick the closest fit. The model above re-tunes to it.

Scenario engine

Three loan sizes, side by side, under stress.

Same property, three asks. Turn on a stress to see which structure still covers its debt when rent softens or rates move.

Debt service coverage

Dashed lines mark 1.00× (breakeven) and 1.25×, a common lender minimum.

Lender fit

Every box is shown. Every result explains itself.

No black-box score. Each lender type below is checked against its stated limits using the numbers in your model.

Property state Deals in last 36 months

Term-sheet comparison

Lowest rate isn't always lowest cost.

Edit any number. Total cost over your hold period includes interest, points, fees and any prepayment penalty at exit. We don't pick a winner. You decide.

Hold period 3 yearsLoan $0 from your model · 30-yr amortization

Sending for review happens inside the deal room. Sample proposals, not offers from any lender. "Total cost" is a comparison figure, not an APR.

StellaAI financing guideAI presenter

Ready when you are

Face and voice are AI-generated. Answers come from wilfolio's checked library. Not a credit decision or an offer.

Meet Stella · your AI financing guide

AI that helps you navigate your loan, not decide it.

Tap a question and she'll answer out loud. Inside your portal she picks from 100 questions borrowers actually ask, with your own deal's numbers filled in.

Ask Stella

Who is Stella?

Stella · answer library

✓Checked answers. Written by our team; your numbers come from our formulas, so nothing is made up.

✕Never approves, declines, quotes a rate or invents a number. People and lenders make those calls.

Start a prequal to meet Stella Sign in

From inquiry to servicing