Four steps. Weeks, not quarters.
The same process, laid out in full: what happens at each step, and what we need from you to keep it moving.
Submit the deal
Send the address, the rent roll, and what you're trying to do. Five minutes — no portal gymnastics.
For an acquisition, that's the purchase agreement alongside the rent roll and trailing operating statements. For a refinance, it's your current loan documents and outstanding balance. For a bridge or construction request, add a specific plan: which units get improved, what it costs, and what the completed asset looks like. A complete first submission is the single biggest thing a borrower controls, because every document we have to chase afterward is a day added to the timeline.
Term sheet in 48 hours, typically
We price it and send real terms: amount, leverage, rate, and structure you can take to the table.
Underwriting rebuilds your net operating income from the rent roll and operating statements, tests debt service coverage, and checks leverage against the property type. You don't get a range or a teaser rate — you get the number the desk will actually stand behind. If something in the file needs a follow-up question, we ask it immediately rather than let it sit; most complete submissions don't need one.
Diligence in parallel
Appraisal, title, and third-party reports run at once while we keep the deal moving, not waiting.
This is where a linear closing loses the most time, and it's the step we compress hardest. The appraisal, title search, and any required environmental or engineering reports are ordered the moment the term sheet is signed, not after each one clears in sequence. From the borrower's side, this stage mostly needs access — coordinating a property inspection and a fast response if a report surfaces a question — rather than new paperwork.
Close & fund
Sign and fund — often inside 14 days, with one point of contact the entire way through.
Closing documents go out once diligence clears, and the same desk that quoted your term sheet walks you through signing and funding. For a purchase, funds move at closing alongside the seller's payoff; for a refinance, the existing loan is retired and any cash-out proceeds are released the same day. The borrower's job at this stage is mainly to review and sign — the sequencing work is ours.
One desk. One answer.
Joseph Snado, founder of the Selective Capital business-funding network, holds the file. The person who underwrites your deal is the person on the phone — a term sheet or a straight pass, stated plainly.
- Call
- (561) 915-1002
Let’s underwrite your deal.
Send us the property and the plan. You’ll have a real term sheet — not a maybe — within two business days.