From scenario to funded.
Five steps. No surprises.
A lot of brokers shop your deal to ten lenders, damage your credit with multiple hard pulls, and hope something sticks. We don't. Here's how a deal moves through RJS.
Discovery Call
15 minutes with Randall.
Scenario
Full deal package.
Term Sheet
Lender's offer reviewed.
Underwriting
Appraisal, title, conditions.
Closing
Funds wire. Deal done.
Discovery Call
Fifteen minutes on the phone or Zoom. Bring the deal — loan type, property, loan amount, your timeline. Randall will tell you on the call whether it's a fit, whether the numbers work, and what lenders in our network it matches.
Scenario Submission
If we're a fit, you submit the full scenario — documents, property info, scope of work for flips, lease info for DSCR. We package it for the one or two lenders best suited to your specific deal. No shotgun submissions, no damage to your credit from multiple hard pulls.
Term Sheet Review
Lender issues a term sheet. We sit down with you — line by line. Rate, points, fees, loan-to-value, conditions, prepayment terms. If there's something that doesn't make sense, we'll say so. If something can be negotiated, we'll negotiate it. Nothing gets signed until you understand every dollar.
Underwriting
Appraisal ordered. Title work begins. The lender's underwriter raises conditions — we manage the back-and-forth so you can stay focused on the deal itself. You'll get a status update at least once a week, or sooner whenever something material moves.
Closing
Clear to close. Closing disclosure reviewed, signed at title. Funds wire to title or directly to seller. DSCR deals typically close 18–28 days from submission. Fix & flip deals typically close 7–14 days. The number depends on the deal — we'll tell you the realistic timeline up front.
What happens if a deal can't be funded
Not every deal will close, and not every borrower will qualify. When that happens, we don't string anyone along. If we can't place the deal, we'll tell you why — and if there's a path forward (different lender, different structure, more time, more reserves), we'll spell it out.
If the deal genuinely doesn't pencil, we'll tell you that too. Saying no to the wrong deal is part of how we say yes to the right one.
Ready to start step one?
15 minutes with Randall. No pressure. Direct answers.