Deal Desk Status • Reviewed September 25, 2026Houston • Baltimore • Newark • North Carolina
Private capital map

More than one lender. One point of accountability.

I can screen qualified investor scenarios across multiple wholesale and specialty channels without turning the website into a public lender directory. You bring the deal. I figure out which capital lane deserves the first look.

Current screening benchmark • September 25, 2026. Deal Desk scenarios may begin around 620 FICO for qualifying DSCR files and around 650 FICO for many business-purpose rehab/bridge files. Select stronger-credit DSCR scenarios may reach approximately 80%-85% purchase leverage, while top rehab leverage depends heavily on investor experience, project scope, ARV and liquidity. Minimum credit never guarantees maximum leverage.
Investor loan menu

What I can screen

Availability, leverage and documentation depend on borrower, property, state, experience and current investor guidelines. These are capability categories, not promises of approval.

01

Rental Cash Flow

DSCR purchase, rate/term refinance and cash-out refinance for qualifying rental properties. Select interest-only and no-ratio-style structures may be available by program.

02

BRRRR / Bridge

Acquire a property that needs work, renovate it, stabilize it and then evaluate a permanent DSCR takeout.

03

Fix & Flip

Short-term business-purpose acquisition and rehab structures designed around purchase basis, rehab, ARV, experience and liquidity.

04

Acquisition + Rehab

Financing lanes that can combine a portion of acquisition cost with rehab funding when the project and borrower qualify.

05

Multifamily

1-4 unit DSCR plus select 5+ unit and multifamily investor scenarios, subject to lender and property requirements.

06

Bank Statement

Personal or business bank-statement qualification for self-employed borrowers when tax returns do not reflect usable cash flow.

07

P&L / 1099 / WVOE

Alternative income documentation scenarios for qualifying borrowers, subject to program-specific validation.

08

Asset Qualifier

Asset-based qualifying and asset-depletion structures for borrowers with significant liquid or investment assets.

09

Foreign National / ITIN

Select non-U.S. citizen, foreign national and ITIN investor scenarios where current channels and state rules permit.

10

Non-Warrantable / Mixed Use

Select non-warrantable condo, condotel, co-op or mixed-use situations can be screened rather than automatically rejected.

11

HELOC / Closed-End Second

Investor and residential second-lien options can be screened when the property, equity and borrower profile fit.

12

Renovation / Construction

Select renovation and one-time-close/construction channels are available. Land, lot and development requests are treated as case-by-case placement rather than advertised as guaranteed availability.

Liquidity gap strategy

Sometimes the financing problem is not the property. It is the investor's cash position.

For qualifying non-owner-occupied business-purpose transactions, I can screen the first lien and the investor's capital gap as separate layers. Potential gap sources may include borrower cash, equity, eligible seller economics, property-secured subordinate capital, or third-party unsecured business-purpose financing where permitted.

A
Fix & FlipAcquire → rehab → sell → retire short-term capital
B
Refinance & HoldAcquire → stabilize → DSCR refinance → recycle capital
C
Exit-first screenCapital only makes sense when the payoff path works
The part I keep private

Capability is public. The roster is not.

I intentionally do not publish wholesale lender names, account executives, rate sheets, pricing grids, internal notes or proprietary credit matrices. Those relationships are part of the placement work.

Multiple wholesale channelsSpecialty non-QMBusiness-purpose capitalScenario-specific placementCurrent guideline verification
“A deal can fail at one lender and fit cleanly at another. The first job is knowing why it failed.”
Deal Desk capital strategy
What determines the lane

The same property can finance very differently.

Credit profile

Credit score, mortgage history and overall profile affect eligible programs and leverage.

Property condition

Stabilized rental, heavy rehab, auction, HUD and mixed-use properties need different capital.

Experience + liquidity

Investor track record, reserves and cash available can change leverage and terms materially.

Exit strategy

Flip, BRRRR, long-term rental, cash-out and construction exits require different underwriting logic.

No lender-shopping homework required

Send the deal once.

The intake console collects the information I need to screen the likely capital lane without making you learn twenty lender matrices.

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