From first contact to closing table.
We have structured our process around one principle: the deal should not wait on the capital.
Submit Your Deal
You submit the inquiry form. Tell us the property address, the deal type, your plan, and how you exit. We do not need a perfect package. We need enough to understand what you are trying to do. What we look at: your track record, the property type, the deal thesis, and the exit strategy. We do not require W2 income. We do not run you through a credit matrix. The form takes 10-15 minutes. The more detail you provide about the property, your experience, and your exit, the faster we can respond with a meaningful answer.
We Review and Respond
Every inquiry is reviewed personally by a member of our underwriting team — not an algorithm, not a junior processor, not an automated filter. If your deal fits our criteria, you will hear from us within one business day. We will ask a few clarifying questions or schedule a brief call. We do not send automated responses and leave you waiting. We are not a bank. We understand that when you submit a deal, time is money. A delayed response can cost you the property, the earnest money, or the relationship with the seller.
We Issue a Term Sheet
The terms on that sheet are the terms you close on. We do not reduce the loan amount, increase the rate, or add conditions after you have committed to the deal. We have seen what re-trading does to an investor's timeline and reputation. Our term sheets include the loan amount, rate, term, points, draw schedule (if applicable), and any conditions — all stated upfront. If something changes between the term sheet and closing (for example, the appraisal comes in lower), we discuss it with you directly before adjusting, never behind your back.
We Close
We underwrite, order the appraisal, and coordinate title on your timeline. If you need to close in ten days, we work backwards from that date and tell you what we need and when we need it. We have closed loans in as few as 7 days when title and appraisal supported it. Our closing process is designed around one principle: the deal should not wait on the capital. We coordinate with your title company, your attorney, and your real estate agent so that everyone has what they need when they need it.
The Relationship Continues
When your deal closes, our goal is to be the first call on the next one. We track your portfolio, follow your projects, and look for ways to be useful before you need to ask. Many of our borrowers have closed 5, 10, or 20+ deals with us. The more we understand your strategy and track record, the faster and smoother each subsequent deal becomes. We also connect our borrowers with our broader network — attorneys, CPAs, contractors, and property managers — when the need arises.
What we look for:
- At least 2 to 3 completed deals as principal or operator — we need to see that you have skin in the game and a track record of execution
- You can clearly explain what the property is, what you are doing with it, and how you exit — a coherent deal thesis is the foundation of every loan we issue
- Equity position: you have skin in the game — we do not fund 100% of acquisition and rehab; we need to see your capital at risk alongside ours
- Investment property only — no primary residences, no raw land without an entitlement or development plan, no owner-occupied properties
- Clear exit strategy — sale, refinance, or cash flow — documented and realistic based on market conditions and your track record
Typical Timeline
From Inquiry to Closing
A typical MB4I deal moves from inquiry to closing in 7-10 days. Complex deals or those requiring appraisal may take longer. We work backwards from your required closing date.
Inquiry Submitted
You complete the form with property details, deal thesis, and exit strategy.
Personal Review
A member of our underwriting team reviews your inquiry and responds within one business day.
Term Sheet Issued
We issue a term sheet with loan amount, rate, term, and conditions — all stated upfront.
Due Diligence
Appraisal ordered, title coordinated, documentation collected — all on your timeline.
Closing
We close. Funds disbursed. You execute your plan.
Timeline is typical for standard transactions. Actual closing time depends on title clearance, appraisal availability, and documentation completeness. We will give you a specific timeline estimate during your term sheet.
References
Learn More About Private Lending
Understanding how private lending differs from conventional financing helps you make better capital decisions.
