Time kills deals in real estate.
That's why we've engineered our blanket loan process to move at the speed of opportunity while maintaining thorough underwriting standards.
Here's exactly what to expect when working with Capital Direct Funding.
Week 1: Initial Consultation and Pre-Qualification
Days 1-2: Discovery Call
Your journey begins with a comprehensive consultation. We'll discuss:
- Your portfolio composition and performance
- Investment goals and timeline
- Desired loan structure and features
- Any unique circumstances or requirements
Days 3-5: Preliminary Review
We conduct an initial assessment of your portfolio to determine:
- Baseline qualification status
- Optimal loan structure options
- Estimated terms and pricing
- Required documentation checklist
By week's end, you'll know whether to proceed and exactly what's needed for formal application.
Week 2-3: Formal Application and Underwriting
Days 6-8: Application Submission
Submit your complete application package including:
- Financial statements and tax returns
- Property operating statements and rent rolls
- Current lease agreements
- Existing loan documentation
- Our digital portal makes document submission simple and secure.
Days 9-15: Underwriting Review
Our underwriting team evaluates:
- Portfolio cash flow analysis
- Property condition assessments
- Market comparable studies
- Borrower creditworthiness
Unlike traditional lenders who evaluate properties sequentially, we analyze your entire portfolio simultaneously, significantly reducing processing time.
Week 4: Property Evaluation and Terms
Days 16-20: Coordinated Appraisals
We coordinate all property appraisals through our established network, ensuring:
- Consistent evaluation standards
- Efficient scheduling
- Competitive pricing
- Rapid report delivery
Days 21-22: Term Sheet Delivery
Based on underwriting results, we provide a detailed term sheet outlining:
- Loan amount and structure
- Interest rate and payment terms
- Release clause provisions
- Closing conditions and timeline
Week 5-6: Documentation and Negotiation
Days 23-28: Document Preparation
Our legal team prepares comprehensive loan documentation while you:
- Review and negotiate final terms
- Coordinate insurance requirements
- Arrange for entity documentation
- Prepare for closing logistics
Days 29-35: Final Negotiations
We work collaboratively to:
- Finalize release clause structures
- Confirm closing conditions
- Address any remaining questions
- Lock in your interest rate
Week 7-8: Closing Preparation and Funding
Days 36-42: Pre-Closing Requirements
Final steps include:
- Title review and insurance
- Final property inspections if required
- Closing statement preparation
- Fund verification
Days 43-45: Closing and Funding
The closing process involves:
- Document execution (often handled remotely)
- Fund disbursement
- Recording of security instruments
- Delivery of final loan documents
- Accelerated Timeline Options
For qualified borrowers with complete documentation, we offer expedited processing:
Rush processing: 21-day close possible
Bridge financing: 14-day funding available
Relationship pricing: Returning clients receive priority processing
What Can Delay the Process
Understanding potential delays helps you avoid them:
- Incomplete financial documentation
- Title issues requiring resolution
- Property condition surprises
- Tenant lease discrepancies
- Environmental concerns
Your Role in Maintaining Timeline
You can help ensure smooth processing by:
- Providing complete documentation upfront
- Responding quickly to requests
- Maintaining open communication
- Addressing issues proactively
The Capital Direct Funding Advantage
Our timeline isn't just fast—it's reliable. We hit our closing dates because:
- We control the process internally
- Our team has deep expertise
- We've refined our systems through hundreds of closings
- We're motivated by your success
Ready to start your timeline?
Contact Capital Direct Funding at (626) 796-1680 or visit capitaldf.com.
Let's get your blanket loan closed efficiently and professionally.