Underwrite Like a Hard Money Lender
The FREE 5-Pillar Underwriting Guide from Coastal Capital Funding.
What private lenders actually look at — and how to score your own deal before you submit it. Built by Coastal Capital Funding.
Providing Impeccable Service Second to NONE!
The 5 Pillars
Most investors approach lenders thinking only about purchase price, rehab budget, and ARV. Lenders look at the same deal and see five different things. Score yours against each before you submit.
ARV Verification
How comps are pulled, weighted, and stress-tested against your number.
Rehab Realism
Whether your scope and budget hold up against $/sq ft and a credible draw plan.
Exit Stress Test
Does the loan still pay off if the sale slips 10% or the project takes 60 extra days?
Borrower Tier
How prior projects, credit, and reserves move you between leverage bands.
Leverage Caps
LTC / LTAIV / LTARV applied simultaneously — the lowest one binds the loan.
What's Inside the Guide
Eleven pages. No fluff. The same five-pillar process every private lender runs through — written by a direct private lender, in plain English, with the calculations a refinance underwriter will actually apply.
ARV Verification — how lenders read your comps
The 3-3-3 rule, what kills your ARV, how to pre-empt the appraisal, and the lender's red-flag threshold. If your number is more than 120% of any comp within a mile, the file dies.
Rehab Realism — budget, scope, and draws
Cost-per-square-foot ranges by scope tier, the most common budget mistakes, and how draws actually work. Plus the underwriter's mental model for whether you have the liquidity to fund the next phase while waiting on a draw inspection.
Exit-Strategy Stress Test
How lenders stress-test a sale exit (and a refi exit), with a worked example showing what happens to your margin if the sale slips 10% and the project runs 60 days long.
Borrower Experience Tiers + Leverage Caps
The four tiers private lenders bucket borrowers into and how each tier moves you up or down on leverage. Then the actual math: LTC, LTAIV, and LTARV applied together — with three worked examples showing which cap binds in different deal structures.
Self-Score Worksheet
A one-page worksheet you can run on any deal in fifteen minutes. Score 1–5 on each pillar — if you would not lend on it yourself, do not be surprised when a lender does not either.
FAQs:
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Built for serious investors
The level of detail that separates a clean term sheet from a deal that quietly gets restructured at the closing table.
Active Flippers
You've done a few. You know the math but you're tired of getting "up to 90% LTC" advertised and then watching the binding cap quietly cut your loan in half.
BRRRR Investors
Your refi underwriter applies different math than your hard money lender. The guide shows you exactly which assumptions a refi lender will actually accept.
Wholesalers & Realtors
If you're sending deals to investor buyers, knowing what a lender will fund is the difference between a clean assignment fee and a busted contract.
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