Submission Checklist

Send these and we can usually have a written term sheet back to you the same day. No tax returns, no W2s, no personal income documents.

To get a term sheet

Property address
Purchase price and contract, or current payoff for a refinance
Requested loan amount or target leverage
Estimated or actual monthly rent
Annual taxes, annual insurance, monthly HOA if any
Estimated credit score band
Borrowing entity name, if you already have one

Once terms are accepted

Signed term sheet
Appraisal fee paid and soft credit authorisation signed
Entity operating agreement, articles, and EIN letter
Government ID for each guarantor
Two months of bank statements showing reserves
Executed lease, or rent roll for multi-unit
Insurance agent contact, we handle the binder and mortgagee clause
Title company contact, or we'll bring ours

For fix and flip or construction

Itemised scope of work with a budget
Track record of prior projects, addresses and dates
Contractor details and licence
After-repair value expectation with your comps

Indicative only and not a commitment to lend. All terms subject to underwriting, appraisal and final approval. Business-purpose loans on non-owner-occupied investment property. Not consumer mortgage credit. Adler Capital, dan@adlercapital.us, (917) 963-0181.