Get started
A term sheet takes one business day and does not require a credit pull. Send us the deal, not your life story — six pieces of information are enough to price almost any file.
What to send
| Item | Why it matters |
|---|---|
| Property address | Drives market rent, tax reassessment, insurance climate, and state overlays |
| Purchase price or current value | Sets the leverage ceiling |
| Current or projected monthly rent | The numerator of your ratio |
| Loan purpose | Purchase, rate-and-term, or cash-out — each prices differently |
| Approximate credit band | 620s, 660s, 700s, 740+ is precise enough. No pull needed. |
| Vesting | LLC or personal name, and whether the entity already exists |
Helpful if you have it: the rehab scope on a flip, a rent roll on multifamily, twelve months of platform revenue on a short-term rental, and your existing rate and balance on a refinance.
What happens next
- Same day — we acknowledge and ask what is missingUsually nothing. Occasionally a tax figure or an HOA amount.
- Within one business day — term sheetTypically two structures: maximum leverage and best pricing, with the adjustments itemized so you can see what each one costs.
- You decide whether to proceedNo credit pull happens until you do. There is no obligation and no follow-up sequence you have to unsubscribe from.
- Application and creditSigned application, credit authorization, and the entity documents. This is where the clock starts.
- Ten to twenty-one days to fundingAppraisal, title, insurance, underwriting, conditions, close. The full sequence is on the process page.
Get in touch
Call: (914) 266-0725 — the fastest route for a scenario you want an opinion on today.
Email or the form: use the contact page and include the six items above. Attach a rent roll or scope of work if you have one.
Send the deal
Address, price, rent, purpose, credit band, vesting. One business day for real structures.
Contact form Call (914) 266-0725Submitting a scenario does not create a loan application or a lending relationship, and a term sheet is not a commitment to lend. Business-purpose loans on non-owner-occupied investment property only.