1 · Borrowing entity

The company that will hold title

Lenders lend to the entity and look to the guarantors behind it.

2 · Guarantors

The people standing behind the loan

One card per owner from your prequal. Lenders usually ask everyone with 20% or more to guarantee.

3 · Personal financial statement

Primary guarantor's assets and debts

Round numbers are fine. Real estate equity fills in from the next section.

4 · Real estate owned

Properties you or your entities own now

Lenders use this schedule to see global cash flow and liquidity.

5 · Track record

Deals you've completed

Flips, rentals and builds from the last 36 months carry the most weight.

6 · Subject property

The building you're financing

The details an appraiser and underwriter will ask about first.

7 · Declarations

Standard lender questions

Answer for every borrower and guarantor. A "yes" isn't automatically disqualifying. Explain it and we'll find lenders who understand.

8 · Certify & sign

Review and submit