Your lender should have skin in this game.
I flip houses in Arizona. I lend my own capital to operators doing the same. There's no broker shopping your file, no committee voting on your deal, and no hard-money maze of junk fees and stall tactics. When you send me a deal, the person underwriting it is the person wiring on it — and I underwrite like an investor, because I am one.
My capital. My call.
One decision-maker, zero layers. You get answers in hours, not committee cycles — and a yes that doesn't wobble at the closing table.
Underwriting that pays you.
I review every deal like I'm buying it myself. If you're overpaying, I'll tell you before I ever charge a point — sometimes that answer alone is worth five figures.
Speed is the product.
Clean numbers and clear title are the whole checklist. From there it's a wire — in as little as 24 hours — so you never lose a deal waiting on your money.
The Operator Underwrite
Every packet gets the same three passes — same day.
- 01 — BUY-IT-MYSELF TESTWould I take this deal, at these numbers, with my own money? If not, you'll hear why.
- 02 — RED-PEN PASSWhere does the deal leak — purchase, scope, or exit? This is the pass that made Will $10K.
- 03 — STRUCTURE FITSprint, Middle, or Long Hold — the money priced to the plan, not the other way around.
Pick the structure that fits the deal.
We usually fund 100% of purchase price and rehab — fix & flip and BRRRR on existing structures, never new construction. Six-month base term, extend in six-month blocks at 1.5 pts each, out to 24 months. Points at close, interest monthly. Drag the slider — the math writes itself.
Cheap in, fast out. Wholetails and light flips you'll exit inside the base term.
- POINTS AT CLOSE
- $2,500
- INTEREST CARRY
- $30,000
- EXTENSION PTS
- $0
- TOTAL COST
- $32,500
The standard-flip build — full renovations that run a season, not a weekend.
- POINTS AT CLOSE
- $7,500
- INTEREST CARRY
- $22,500
- EXTENSION PTS
- $0
- TOTAL COST
- $30,000
Long-hold carry with two fewer points down — keeps cash at close for the rehab.
- POINTS AT CLOSE
- $12,500
- INTEREST CARRY
- $18,750
- EXTENSION PTS
- $0
- TOTAL COST
- $31,250
Lowest carry for heavy rehabs and BRRRRs that season past month twelve.
- POINTS AT CLOSE
- $15,000
- INTEREST CARRY
- $15,000
- EXTENSION PTS
- $0
- TOTAL COST
- $30,000
TERM FLOW — 6-MO BASE · EXTEND IN 6-MO BLOCKS · 1.5 PTS PER EXTENSION · 24 MO MAX
At 6 months, total cost runs 12%–13% of loan across the four structures. Pick the carry that fits the plan.
TOTAL COST OF CAPITAL — % OF LOAN · VERTICAL RISERS = EXTENSIONS AT +1.5 PTS
// Illustrative math only. Every deal is priced on the deal — purchase, rehab, ARV, and exit. Fix & flip and BRRRR on existing structures only — no new construction or ground-up builds. Six-month base term; extensions in six-month blocks at 1.5 points each, 24 months max. Business-purpose loans, subject to underwriting and clear title. The expensive money is the wire that doesn't come — a lost deal costs the whole spread.
Leave the paperwork circus at the bank.
Banks underwrite you. Hard money underwrites its fees. I underwrite the deal — so the file stays short.
We made Will $10K before lending him a dollar.
This week. Real deal, real numbers, real timeline — this is what underwriting looks like when your lender flips too.
Will sends the packet.
Address, purchase numbers, rehab scope. No 40-page application, no credit authorization — just the deal.
Reviewed with one note.
The deal works. But the underwrite came back with a line in red:
"You're paying $10K too much."Will renegotiates. Gets the full $10K off.
Armed with the underwrite, he went back to the seller and took ten thousand dollars off the purchase price — that day.
Zoom walkthrough. Fully approved.
Fifteen minutes on the property, scope confirmed, numbers locked. No appraiser, no site-visit scheduling limbo.
We wire. He closes.
Clean title in, wire out. Will walks into the rehab $10K better than he walked in to us.
"A lender funds your mistakes. A capital partner catches them. That's the difference."
Send the deal.
Get an answer today.
Five things. That's the whole application.
- 01Property address
- 02Purchase price / loan amount
- 03Rehab budget & scope of workA rough line-item list is fine.
- 04Photos or videoA link works — Drive, Dropbox, whatever you've got.
- 05Target close date
// I'll usually tell you same day what I can do. If it works, we move.
// Fair warning — the no is fast too. Thin numbers, owner-occupied, new construction, or messy title: same-day no, with the reason.
DEAL SUBMISSION AZ-INTAKE-01
// No credit pull · No spam · Your numbers stay at this desk.
Prefer to talk? Call the desk or text the packet straight over.
P.S. — The review costs nothing even if we never do a deal. Worst case, you walk away with a second set of underwriter eyes on your numbers. Ask Will.
Between deals? Line up the capital now.
Don't wait until you're under contract to meet your money. Connect now, walk me through how you operate — and when the next one hits, the capital's already sitting on go.