Real Estate Investor Loan Checklist

1. Property and transaction

Property address and property type

Executed purchase contract or current mortgage statement

Purchase price, current value, and requested loan

Current interior and exterior photographs

Known title, lien, tax, HOA, or access issues

Insurance contact and estimated coverage cost

Disclose problems early. A lender can often work through an issue that is known and documented; surprises discovered during title, valuation, or insurance review are far more likely to disrupt timing.

2. Business plan and exit

Plain-language description of the project

Milestone timeline and target completion

Itemized rehab or construction budget

Contractor bids, plans, permits, or draw schedule

Expected rent or after-repair value support

Sale, refinance, or long-term hold exit

The exit should be specific enough to underwrite. “Refinance later” is not a complete exit. A useful refinance plan identifies the projected completed value, market rent, anticipated debt service, seasoning requirement, and permanent-loan structure.

3. Borrower and entity

Formation certificate and operating agreement

EIN and certificate of good standing if requested

Government identification for signing principals

Real estate schedule and completed-project history

Liquidity and reserve documentation

Credit and background authorization when requested

Business-purpose lending remains asset-focused, but the borrower still matters. Experience, credit, liquidity, reserves, and the strength of the project team can affect leverage, pricing, conditions, and whether a lender will take the execution risk.

4. Product-specific additions

Request	Additional information lenders commonly review
Fix & Flip	Line-item rehab scope, contractor support, draw plan, as-is value, comparable sales, and ARV.
Bridge	Closing deadline, current condition, payoff need, and documented sale or refinance exit.
DSCR Rental	Lease or market-rent report, taxes, insurance, HOA, property management, and reserves.
Construction	Plans, permits, budget, builder license, résumé, draw schedule, and completed value.
Portfolio	Property schedule, rent roll, debt schedule, occupancy, expenses, and desired release provisions.

What happens after submission

Scope review: confirm the request is Texas, business-purpose, non-owner-occupied, and within available program types.
File organization: identify missing property, borrower, budget, rent, value, or exit information.
Program comparison: match the file against lender guidelines that fit the property and requested structure.
Terms and authorization: review an available lender term sheet and decide whether to proceed with valuation, credit, title, and underwriting.
Conditions and closing: clear lender requirements, confirm final documents and costs, and coordinate closing with title and insurance.

Frequently asked questions

Can an investor request terms before signing a purchase contract?+

A preliminary discussion may be possible with an address, estimated price, budget, value, and exit, but lenders generally need an executed purchase contract before issuing final approval or closing.

Will requesting financing immediately cause a hard credit pull?+

TSG Capital’s initial public request form does not itself perform a hard credit pull. A prospective lender may later request authorization for credit or background review as part of underwriting.

What commonly delays an investor loan closing?+

Common delays include incomplete entity documents, title issues, missing insurance, unsupported value or rent, an incomplete rehab budget, appraisal access, undisclosed liens, and a weak or undocumented exit.

Do first-time investors need different documents?+

The core property and entity documents are similar, but a lender may require more equity, reserves, contractor support, or explanation of the project team when the borrower has limited completed-project experience.

Real estate investor loan readiness checklist.