SSN/DOB/ (Credit Monitoring Request) - DSCR/REHAB - 2023 Real Estate APP (1003 Compliant) -

This application takes approximately 10 minutes to complete.
Internal Form Name
Type of Loan
For Internal Use
Internal Email
example@example.com
What you will need to complete this application
1. Driver's License
  (State Photo ID, Current Passport ID, or US Permanent Resident Card is acceptable)
2. Details about the investment property including purchase price and rehab costs (if any)
3. Current Lease Agreement (if applicable)
  Additionally, proof of received rental payments, such as receipts, Cash App, Zelle, PayPal, etc., may also be required depending on the lender.
4. Proof of Property Insuance
5. Access to your rental INCOME information (if applicable)
6. Access to your rental EXPENSES information (if applicable)
7. Your EIN Number if you have a corporation
  (LLC S-Corp, C-Corp, Nonprofit, or Trust)
Our Minimum Loan Amounts
- $150,000 - DSCR Loans (Real Estate Business Loans)
  For Purchase + Cash Out Refinance
  
  As low as $100,000 on a case-by-case basis
  Minimum Credit Score: 620
- $50,000 - Private Loans/Hard Money
  For Rehab Loans ONLY
  Minimum Credit Score: 680
- $100,000
  Full Doc Refinance (Cash out Included)
  Minimum Credit Score: 680
**We currently do not offer loans for mobile/manufactured homes.
What you will need to complete this application
1. Driver's License
  (State Photo ID, Current Passport ID, or US Permanent Resident Card is acceptable)
2. Details about the investment property including purchase price and rehab costs (if any)
3. Current Lease Agreement (if applicable)
  Additionally, proof of received rental payments, such as receipts, Cash App, Zelle, PayPal, etc., may also be required depending on the lender.
4. Proof of Property Insuance
5. Access to your rental INCOME information (if applicable)
6. Access to your rental EXPENSES information (if applicable)
7. Your EIN Number if you have a corporation
  (LLC S-Corp, C-Corp, Nonprofit, or Trust)
FEES

We believe in transparency so there are never any surprises at the closing table.
Credit Report Fee

$75

This fee is NOT required at this time. You’ll have the option to upload your own credit report at the end of the application.

However, please note that if you choose to move forward with the loan, we will need to pull an official credit report at that time, and the associated fee will be due then.
Our Loan Prep Application Fee

Our Loan Preparation Application Fee is $495*. This fee is NOT required at this time.

It is due at closing when the loan is funded and will be included in closing costs.

*NOTE: If ONE real estate loan consists of multiple properties, the Loan Preparation Application fee may be higher.
Appraisal Fee

The typical fee for an appraisal for a residential property starts at approximately $650 - $950 per property and goes directly to the appraisal company.

Appraisals for multiple properties or more complex property structures will have a higher fee.
Check below to confirm you are seeking funds for an Investment Property ONLY.*

I confirm my property is used for Investment/Business purposes ONLY.
SMS Alerts Opt-In Request for Instant Loan Updates

We would like to send you your loan updates via SMS. By opting in, you'll receive:
- Real-time status of your current loan application.
- Direct answers to your queries via text.
- Updates on information we may need from you.
For future opt-out, simply reply 'STOP'.
Msg&Data rates may apply.
See our Privacy Policy & Terms.
To OPT-IN, select 'YES'. To DECLINE, Select 'NO'.*

YESNO
Please confirm that you understand our fee structure, required documents, and consent to our credit check. You may either upload a recent FICO credit report or provide login credentials to a credit monitoring service that uses FICO scores.*

I understand your fee structures, document needs, and **consent to provide my login credentials to a FICO credit monitoring service** to complete this application.I understand your fee structures, document needs, and **will upload my own FICO Trimerge 3-Bureau Credit Report that is no more than 30-days old** to complete this applicationI do NOT consent and do NOT wish to continue.
As previously noted, if you decide to move forward after pre-approval, we will need to pull a credit report as required by the lender. There is a $75 fee for this report due upfront.
Upload Tri-merge FICO Credit Report (PDF ONLY)

Credit Reports can be no older than 30-days.
Cancelof
Thank you for letting us know you do NOT consent to submit your login credentials or upload a credit report. Your application will NOT be recorded. You can close this screen.

We wish you the best with all funding endeavors!
We understand and respect your decision to decline SMS notifications. However, due to our system's design, we cannot move forward without this communication method.

Should you reconsider or have any questions, please reach out. We wish you all the best in your endeavors!

Warmly,
The Funding Clinic Team

Loan Information
What loan type are you seeking?*

Purchase ONLYRehab LoanRefinance (Rate & Term ONLY)Refinance (Cash Out)Build to Rent/ConstructionPurchase Owner-Occupied Multi-Unit (2-4 units - living in one unit, renting out others)
Do you know the address of the property you’d like to buy, or are you still shopping?

I know the address of the propertyI’m still shopping / need pre-approval first
Desired Terms (Most loans are amortized at 30-years or more)*

12-Months (Short Term Lending)24-Months (Short Term Lending)36-Months (Short Term Lending)15-Year30-Year
What name will the title be held in?*
What manner will the title be held?*

Borrower NameSingle Member LLCPartnershipS-CorpC-CorpTrustNon Profit
Have you ever or do you currently serve in the US Military?*

YESNO
Military Service

Active DutyVeteranReserve National Guard Never Activated
What state is the property located in or expected to be located in?*

Street Address

Street Address Line 2

CityState

Zip Code
Property Information

Tell Us About Your Property
What type of investment property are you seeking financing for?*
What type of investment property are you seeking financing for?

Single Family Resident (SFR) (1-4 Units)Multifamily (5-20 Units)TownhomeCondoMultifamily (20+ Units)Commercial (Retail, Office, Warehouse)
How many units?*
What year was the property built?
Investment Property Address*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Do you have recent appraisal that is no older than 90 days?*

YESNO
Upload Appraisal

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Is this investment property currently listed for sale?

YESNO
Has the investment property been listed for sale in the last 6 months?

YESNO
Lenders will not finance properties that are actively listed for sale. The property must not be on the market at the time of the loan application submission.

	Expenses
Mortgage payments
Property taxes
Insurance
Maintenance and repairs
Utilities
Homeowners association (HOA) fees
Property management fees
Other

PROPERTY REFINANCE SECTION END

	Expenses
Mortgage payments
Property taxes
Insurance
Maintenance and repairs
Utilities
Homeowners association (HOA) fees
Property management fees
Other

PURCHASE ONLY SECTION - END
Guarantor Information

Tell Us About Yourself
Do you have a co-borrower?*

YESNO
Name*

First NameLast Name
First Name
Email*
example@example.com
Mobile Phone Number*
Please enter a valid phone number.
Date of Birth
Use "0" for placeholder for single digit day and month
Residency Type*

US CitizenPermanent Resident AlienNon Permanent Resident Alien
Date of Birth*

MonthDayYear
Date
Date of Birth (HIDDEN FOR ARIVE)*

YearMonthDay
Date
Social Security Number*
Do you currently rent or own?*

RentOwn
Your current home address?*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
How many years have you lived at your current address?*
What was your previous address?

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
How many years did you live at your previous residence?
Did you rent or own at previous residence?

YESNO
Do you have a different mailing addres?*

YESNO
What is your mailing address?

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Marital Status*

MarriedUnmarriedSeparatedDo Not Wish To Provide
Do you have dependents?*

YESNO
Please enter the number of dependents you have.
Please enter the ages of each dependent
Separate each age with a comma
How many years of formal schooling have you completed?*

Less than high schoolHigh school diploma/GED (12 years)Some college, no degree (13-15 years)Bachelor's degree (16 years)Master's degree (17-19 years)Doctorate or professional degree (20+ years)Trade/Technical/Vocational training (14+ years)
What is your estimated credit score?*

780+740 - 779700 - 739660 - 699620 - 659580 - 619Below 580
How much does you currently have in cash reserves?
Why do we ask this question? Closing costs can range from 8% - 33% of the approved loan amount. (Note: For Cashout Refi's, the fees typically come out of the loan)

Please answer the following questions*

	BORROWER YES	BORROWER NO	CO-BORROWER YES	CO-BORROWER NO
Are there any outstanding judgments against you?
Have you been declared bankrupt in the past seven years?
Are you party to a lawsuit?
Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment?
Are you currently behind on any Federal debt, loan, mortgage, financial obligation, bond, or loan guarantee?
Do you have obligations to pay alimony, child support, or separate maintenance?
Did you borrow any portion of the down payment?
Are you a co-signer or guarantor on any loan? Are you a U.S. citizen?
Are you a permanent resident alien?
Will you be living in the property as your main residence?
In the past three years, did you have ownership interest in any property?

State of Driver's License or Government ID*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Driver's License or Government ID Number*
You will also be required to upload copy of your driver's license or Government ID

Co-Borrower General Information - END
Acceptable Forms of Government ID
1. Driver's License
2. State ID
3. Current Passport
4. Permanent Resident Card
We need a copy of your Driver's License or Acceptable Government ID. You can either upload it or use the "Take Photo" option.*

Upload Driver License or Gov't ID (Best for computer)Take Photo Driver License or Gov't ID (Best for mobile and computer with camera)
Driver's License (or other Government ID) - FRONT - UPLOAD

Driver's License, State ID, Passport, or Permanent Resident Card is acceptable
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Driver's License (or other Government ID) - BACK - UPLOAD

Driver's License, State ID, Passport, or Permanent Resident Card is acceptable
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Driver's License Front - Take Photo (Make sure you are using a dark background and your ID is clearly lit and your photo is clear and the text are readable)
Driver's License Back - Take Photo (Make sure you are using a dark background and your ID is clearly lit and your photo is clear and the text are readable)
Upload Lease Agreement

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Upload Proof of Property Insurance

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	Tenant name	Monthly rent amount	Security deposit amount	Lease start and end dates	Late fees or other charges	Rent paid to date	Any outstanding balances or delinquencies	Tenant contact information
1
2
3
4
5

This application takes approximately 10 minutes to complete.

FEES

Loan Information

Property Information

Refinance

REFI Calculations

Purchase & Rehab

PURCHASE/REHAB CALCULATIONS

Guarantor Information

Co-Borrower Information

CO-BORROWER IDENTIFICATION