Let’s face it—real estate solutions can be a hassle. we’re changing that by providing straightforward, effective support for the SubTo, Creative Finance, Wholesale, and Fix & Flip communities.
Our focus is on making real estate financing accessible and easy to navigate, so you can seize opportunities without the stress. Together, we’ll make your real estate journey smoother, one solution at a time.
We provide quick and dependable Earnest Money Deposit (EMD) funding, giving investors the support they need to secure properties with confidence in a fast-moving market.
We offer Double Closing solutions that help investors buy and sell properties efficiently, making the process simple and hassle-free.
We Guarantee It or, Your Money back — Why? Because we know you'll be happy with our service. We want you as long time clients. See our testimonials above and rest assured we have your best interest in mind and in writing (*certain restrictions apply).
Get the most out of your investment
Committed to offering personalized guidance and assistance
Ensuring you can trust us to deliver on our promises
Get the most out of your investment
Committed to offering personalized guidance and assistance
Ensuring you can trust us to deliver on our promises
Just fill out the form, and we'll get in touch to discuss our Earnest Money Deposit (EMD) services. We're here to answer any questions and gather any extra documents you might need.
After you sign the EMD and Joint Venture agreement, our TC (Transactional Coordinator) team will review everything to get the funding process moving.
As soon as your EMD paperwork is approved, we’ll wire the funds directly to the Escrow officer or Title Company/Attorney that same day.
We'll keep an eye on everything during the closing and inspection. Once the deal is finalized, we’ll get our funds back along with the agreed amount.
Eligible property types for a Mircolend Services include those with:
● Certain tax abatements
● Short-term rentals, with a portion of the total unit count
● Micro-units of 350 SF or less, with a portion of the total unit count
● Seniors housing without resident services
● Commercial (non-residential) space or income, with a portion of the total space and income
● No more than 50% concentration of students, military personnel, or single employers
● Tenant-based rental assistance
● No more than 20% of units encumbered by a HAP contract
● Affordability restrictions or tax credits lasting up to two years
● Master Lease concentration comprising no more than 25% of total gross potential rent (GPR)
● Non-contiguous parcels with buildings having 5 or more units in the same MSA
● Buildings with less than 5 units on the same or contiguous parcels
● Private wells and/or septic tanks, common in the market
● Fractured condominiums, controlling a minimum percentage of the association
● Manufactured Housing Communities (MHCs)
● Scenario expected loss (SEL) of ≤40%
Obtain preliminary loan terms by sharing basic property details and discussing specific needs and objectives with a Microlend Services.
Receive loan quotes after supplying additional information and property documentation.
Choose a quote and complete a loan application outlining the agreed-upon terms.
Provide the necessary documentation for the loan to undergo underwriting and approval by the lender.
Execute a loan commitment that confirms the final loan terms.
Secure your interest rate and finalize the loan closing process.
On average, the timeline from application to closing usually spans 60-70 days. Nevertheless, with expedited third-party reports and timely submission of all due diligence, it might be feasible to close in as little as 45-55 days.
For Microlend Services, a segment of the rate remains unsecured until the due diligence phase concludes, typically within 30-60 days after receiving a completed loan application. Rates are secured upon the execution of the loan application, provided a comprehensive due diligence package is submitted to Microlend Services within 35
At the very least, you'll need to provide the following documents:
● Current rent roll
● Trailing 12-month operating statement
Property operating budget
Additionally, having the following information and documents ready can streamline the process and preempt potential issues:
For Borrower:
● Ownership structure and percentages
● Bio/resume of the borrower(s)
● Estimated net worth, liquidity, and FICO scores of borrower(s)
● Schedule of real estate owned (SREO) for borrower(s)
● Information about third-party property managers (if applicable)
For Property:
● Commercial (e.g., retail or office) rent roll (if applicable)
● Physical occupancy data for the past 12 months
● Cost basis, existing loan amount, and expected closing costs like prepayment penalties (for refinancing)
● Details on recent or planned capital improvements (if known)
● Interior and exterior property photographs
● Offering memorandum (if accessible)
● Concentrations of student, military, or other types of tenants (if applicable)
● Rent and/or affordability restrictions tied to the property
● Any unique property attributes such as tax abatements, short-term rental arrangements, micro-units, or specialized residential services like those for certain seniors housing setups.
Permissible ownership structures under the Microlend Services include:
● Individual
● Single asset entity (typically in the form of an LLC)
● Multiple asset entity (with conditions; typically in the form of an LLC)
● Revocable and irrevocable trusts (with conditions)
● General partnership
● Corporation
● Real estate investment trust (REIT)
● Tenancy-in-Common (TIC) with five or fewer members
● Not-for-profit corporations (with conditions)
● Funds
Ownership structures not eligible include:
● Series LLCs
● Transactions involving in-place Hard Preferred Equity or Subordinate Debt
● Land Trusts/Delaware Statutory Trusts
● Pension or Retirement Accounts
In order to meet the eligibility criteria for Microlend Services, individual borrowers or key principals are required to demonstrate a combined net worth equivalent to or exceeding 1x the desired loan amount. Additionally, liquidity must be at least equivalent to 9 monthly payments of principal and interest, typically around 5-10% of the desired loan amount.
For individual borrowers, a minimum FICO score of 680 or higher is generally necessary. However, there might be some flexibility if there are multiple key principals involved.
PO Box 1445, 8700
Stonebrook Pkwy Frisco, TX 75034