🧠 30-Day Delay Can Wreck Your Terms (Here’s Why) 📉

[Stevan Stojakovic]

A lot of investors think once they get a term sheet, the deal is basically locked.

📉 It’s not.

Term sheets are based on today’s conditions - not a guarantee for 30 days from now.

🧠 What changes when your closing slips:

Rates move
Lender appetite shifts
Guidelines tighten
Your file gets looked at again

⚠️ That’s when re-trades happen:

Lower leverage
Higher reserves
Worse pricing
Or the lender steps back

Same deal… different timing… different outcome.

📊 Here’s the part most people miss:

Delays don’t just affect the market - they affect perception.

If your file slows down, lenders start asking:

Why is this taking longer?
Are there issues in the docs?
Do the numbers hold?

Even if nothing is wrong, delay = uncertainty.

And lenders price uncertainty.

📌 Key point:

A term sheet is not a lock.

It’s a snapshot.

🎯 What experienced operators do differently:

They treat speed as part of the deal.

They move fast on conditions
They keep numbers consistent
They lock third-party reports early
They don’t let the file sit

Because the longer it sits…

…the more it gets questioned.

💬 If your timeline is slipping and you want a quick read on how it might impact your terms, happy to take a look.

Phoenix Funded
[email protected]
📞 Direct: 786-431-2532
📲 Call/Text: 786-434-7544