Closed where other lenders hesitated.

2 weeks

to close, at the requested leverage

The challenge

Limited track record, a two-week deadline, a 90% LTC / 75% LTV request and few sales comps.

What we did

Credited the principal's experience as a general contractor and brought in a local MAI, SRA appraiser to value it properly.

10 days

to close, with the lot acquisition covered

The challenge

Limited new-construction track record and a 10-day closing deadline.

What we did

Credited the borrower's experience as a general contractor. Researched and documented the existing entitlements so loan proceeds covered the lot acquisition, with a construction holdback for the build. Closed on time.

As‑is value

underwritten after the permit, not the purchase price

The challenge

After buying the lot, the borrower recapitalized the entity with new investors at a higher valuation, a structure most lenders avoid.

What we did

Recognized the value created by securing the building permit and underwrote the as-is lot value.

Remote build

with limited direct experience

The challenge

A borrower with limited direct experience who needed to manage the project remotely, outside most lenders' boxes.

What we did

Underwrote the strength of the location and the borrower's verified professional experience.

$8MM

subdivision

The challenge

A fast-growing builder needed capital that could scale with the subdivision, at maximum leverage.

What we did

Structured the full capital solution for the project.

$10MM

ARV, with a non-standard ownership structure

The challenge

The guarantors held less than half the equity, a structure most lenders' rules reject.

What we did

Reviewed the operating agreement in depth and validated the guarantors' financial strength.