🏡 The 10-Minute Deal Test Every Lender Runs 🏡
🏡 Most investors think their deal gets a full review.
It doesn’t.
There’s a 5-10 minute filter every lender runs before underwriting even looks at it. If your deal fails there, it’s quietly pushed aside or declined.
Here’s what actually gets checked first:
đź“Ś Do the numbers make sense instantly?
Purchase, rehab, ARV, loan request - if anything feels off at a glance, it raises doubt.
đź“Ś Is the deal easy to understand?
If a lender has to “figure it out,” it already feels risky.
đź“Ś Does your experience match the deal?
Light rehab experience trying a heavy lift or development gets flagged fast.
đź“Ś Do you have enough liquidity?
Deals don’t fail on paper - they fail during execution.
đź“Ś Is your timeline realistic?
Aggressive timelines without support signal problems, not efficiency.
This isn’t a formal checklist. It’s pattern recognition.
And it’s why some investors get constant approvals… while others keep hearing “we’ll pass.”
The difference is not just the deal.
It’s how the deal is packaged.
If you’re submitting deals and getting inconsistent responses, you’re likely failing this first filter without realizing it.
We help investors pre-screen and structure deals so they actually make it past that initial 10-minute test and into real underwriting.
If you want a second set of eyes before you send your next deal out, reach out.