CRE Financing & Deal Packaging

Your deal didn't get declined because of the property.
It got declined because of the package.

Most investors lose fundable deals to weak submissions. We fix that. LendCraft provides a complimentary deal packaging and loan referral service — we build the lender-ready submission, you close the deal.

Loan types we cover — minimum $75,000

Fix & Flip DSCR / Rental Bridge Ground-Up Construction Multi-Family Portfolio

Funding Progression Examples

DSCR Portfolio — Start to Scale
$720K → $3.4M
Clean cash flow & disciplined docs
Ground-Up Construction
$1.2M → $5.0M
Strong project economics & documentation
Fix & Flip Portfolio
$450K–$650K → $4.6M
Clear exits & lender sequencing
The Real Problem

The "spray and pray" approach is killing deals that deserve to get funded

Most loan brokers blast your deal to 30–50 lenders with a one-page summary and hope something sticks. Lenders see it coming from a mile away — and they pass. Not because your deal is bad. Because the submission is.

❌  What Most Brokers Do — "Spray & Pray"
🔴Send the same generic package to every lender on their list
🔴No deal analysis — just a purchase price and a hope
🔴No LTC, LTV, DCR, NOI, or exit strategy documented
🔴No lender-matching — wrong loan type, wrong lender
🔴Borrower gets decline after decline with no explanation
🔴Deal dies on the desk. Investor walks away empty-handed
✅  What LendCraft Does — Deal-First Approach
🟢Build a complete, institutional-grade lender submission
🟢Full deal analysis: LTC, LTV, DCR, NOI, cap rate, exit strategy
🟢Comparable sales, rehab budget, sources & uses — documented
🟢Match the deal to the right lender for that specific loan type
🟢One submission to one matched lender. Clean. Complete. Credible.
🟢Lender gets what they need to say yes on the first review
Why We Are Different

We don't sell loans. We build the case for yours.

LendCraft is a capital advisory and loan referral firm — not a lender, not a broker chasing volume. Our entire job is to make your deal fundable and match it to the right lender.

📦

We Package First

Before a lender sees your deal, we build the full submission: financial analysis, comparable sales, rehab budget, sources & uses, exit strategy, and sponsor profile. You show up looking institutional.

🎯

We Match — Not Blast

Every lender has a specific appetite — loan type, deal size, geography, LTV tolerance. We match your packaged deal to the lender whose criteria it actually fits. One shot. Right target.

💬

Advisory Is Complimentary

We don't charge for the consultation or the package. Our compensation comes exclusively from referral arrangements with licensed lending partners — disclosed before any referral is made.

The Core Argument

Deal structure and packaging is what separates funded from declined. Not the asset. Not the rate. The package.

Lenders don't decline deals because the property is bad. They decline because the submission doesn't answer their underwriting questions. Every lender has a checklist — and if your package doesn't address it, the answer is no before the conversation starts.

"A fundable deal submitted poorly will lose to a weaker deal submitted properly — every time."

The investors who get funded consistently aren't the ones with the best deals. They're the ones who present their deals the way lenders need to see them. We build that presentation for you — at no charge.

What Lenders Actually Underwrite

LTC & LTV — how leveraged is this deal relative to cost and value?
Debt Coverage Ratio (DCR) — can the property service the debt?
Net Operating Income (NOI) — what does stabilized cash flow look like?
After Repair Value (ARV) — supported by recent comparable sales?
Rehab budget — itemized, realistic, with cost overrun buffer?
Sources & uses — where is every dollar coming from and going?
Exit strategy — primary and secondary, documented and credible?
Operator profile — track record, liquidity, credit, experience?
Complimentary Service

Bring us your deal. We'll build the submission.

You share the basics. We run the full deal analysis, build the institutional-grade lender package, and connect you with the right lender. No charge for the advisory or the package — we earn our referral fee when you get funded.

1

Submit Your Deal

Complete the CRE Deal Assessment form. Takes about 5 minutes. Tell us the deal type, loan amount, project stage, and timeline.

2

We Build the Package

We run full financial analysis, pull comparable sales, structure sources & uses, document the exit strategy, and build your lender submission.

3

Matched to the Right Lender

We refer your packaged deal to a lending partner whose criteria fit your deal — one matched submission, not a blast to 50 inboxes.

Submit Your Deal Assessment →

Who this is for: Real estate investors with active or pipeline deals — fix & flip, BRRRR, bridge, DSCR rental, ground-up construction, or portfolio refinance. Minimum loan $75,000.
Who this is not for: Owner-occupied residential, primary home purchases, or projects without a clear exit strategy.

Loan Programs

What we can refer — minimum $75,000

Fix & Flip

Structure: Interest-only bridge, 6–18 months
Leverage: Up to 90% LTC / 75% ARV
Key metric: ARV supported by comps, clear sale exit
Best for: Single-family, small multi-family rehab projects
From $75,000

DSCR Rental Loan

Structure: 30-year amortizing, no income verification
Leverage: Up to 80% LTV
Key metric: DCR ≥ 1.0 — rent covers debt service
Best for: Stabilized SFR, multi-family, portfolio exit
From $75,000

Bridge Loan

Structure: Interest-only, 12–24 months
Leverage: Up to 75–80% LTV
Key metric: Clear refi or sale exit within term
Best for: Acquisition, value-add, stabilization plays
From $100,000

Ground-Up Construction

Structure: Draw-based construction loan
Leverage: Up to 85% LTC / 70% ARV
Key metric: Project economics, builder track record, permits
Best for: Spec builds, ADU, small residential development
From $150,000

Multi-Family

Structure: Bridge, DSCR, or agency depending on stabilization
Leverage: Up to 80% LTV stabilized
Key metric: NOI, cap rate, occupancy history
Best for: 2–20 unit value-add or stabilized acquisitions
From $150,000

Portfolio / BRRRR

Structure: Blanket loan or portfolio DSCR facility
Leverage: Up to 75% portfolio LTV
Key metric: Portfolio NOI, cross-collateral structure, seasoning
Best for: Scaling investors consolidating or expanding
From $500,000
Recent Funding Examples

What happens when the deal is packaged right

Representative examples. Results vary. All financing subject to lender approval.

Fix & Flip — Multifamily
San Diego, CA
Loan Funded
$630,000
Why It Worked

Complete rehab scope, ARV supported by comps, documented flip timeline with contractor bids on file

DSCR Portfolio
Outcome Progression
Capital Stack Growth
$720KInitial DSCR loan
$1.85MPortfolio refinance
$3.4MExpanded DSCR facility
Why It Worked

Clean cash flow & disciplined documentation at every stage

Ground-Up Construction
Outcome Progression
Capital Stack Growth
$1.2MConstruction loan
$2.8MBridge refinance
$5.0MPortfolio financing
Why It Worked

Strong project economics & complete documentation from permit to exit

Bridge Lending
Outcome Progression
Capital Stack Growth
$900K–$1.4MInitial bridge loans
$3.2MAggregated refinance
$4.9MExpanded portfolio
Why It Worked

Acquisition funding, property stabilization, and loan seasoning — structured in sequence

Fix & Flip Portfolio
Outcome Progression
Capital Stack Growth
$450K–$650KPer project
$2.1MBridge refinance
$4.6MPortfolio loan
Why It Worked

Clear exits documented on every deal & proper lender sequencing throughout

Portfolio Consolidation
Outcome Progression
Capital Stack Growth
$2.3MInitial consolidation
$3.8MExpansion
$5.0MFinal facility
Why It Worked

Institutional-grade scale, clean presentation, and portfolio-level loan structuring

See It In Action

What a Funded Submission Package Looks Like

Most brokers send a loan application and a prayer. This is what we build — a complete lender submission package with full deal analysis, operator narrative, sources & uses, exit strategy, and every metric an underwriter needs to say yes. The fictional borrower below funded a DSCR/BRRRR deal at 86% LTC. Scroll through to see the standard.

★   Sample — Fictional Borrower   ★

Sample prepared for illustrative purposes. All borrower details are fictional. Financial data shown is representative of typical DSCR/BRRRR deal structures. This document does not constitute a commitment to lend.

Active Investor — You Have a Deal

Submit Your CRE Deal Assessment

We'll review your deal, reach out to discuss the structure, and build your lender submission — at no charge. You only pay us if we get you funded through a lending partner.

No obligation. No cost. Subject to lender approval.

Not Ready to Submit a Deal Yet?

Get the Free Book

Funded in 5 Days Book Cover

Funded in 5 Days

The CRE investor's guide to deal structure, lender packaging, and getting capital deployed — without chasing brokers or burning time on declines.

Download — It's Free

No credit card. No pitch. Just the framework.

LendCraft Capital Advisors LLC provides complimentary capital advisory consultations as part of its commercial loan referral services. LendCraft is not a lender, credit counselor, or credit repair organization. Advisory services are provided at no charge. Compensation is received exclusively through referral arrangements with licensed lending partners, as disclosed prior to any referral. All financing is subject to lender approval. Terms and availability vary. Funding examples shown are representative of outcomes and do not guarantee similar results. Individual results depend on deal specifics, borrower profile, and lender approval. "Funded in 5 Days" refers to a book and educational resource — it is not a representation of funding timelines.