Step 1 of 9

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A) Deal Identification

Internal tracking fields.

Deal / Opportunity ID

Date Received(Required)

MM slash DD slash YYYY

Borrower / Entity Name(Required)

Submitted By (Affiliate / LO / Team Member)

B) Scenario (Copy/Paste)

Paste the scenario exactly as received (email/text/notes).

Scenario Text(Required)

C) Property & Transaction

Used for program fit and LTV.

Property Type(Required)

Loan Purpose(Required)

Purchase

Refinance

Cash-Out Refinance

Construction / Ground-Up

Purchase Price (if purchase)

Estimated Value (if known)

Requested Loan Amount(Required)

Owner-Occupied % (if applicable)

SBA requires ≥51% owner-occupied. Leave blank for purely investment deals.

Raw Land?(Required)

Yes

Acreage (if land)

D) Borrower Snapshot

Fast screening for conventional/SBA/NIV.

Primary Credit Score (est)

Secondary Credit Score (est)

Industry / Business Type

Years in Business / Operations

Residency / Status (if relevant)

E) DSCR & Cash Flow Worksheet

Enter what you have; mark unknowns. DSCR targets: Conventional ≥1.30, SBA ~1.10–1.20, NIV ≥1.00.

NOI (Annual) – if investment property

Gross Rents (Monthly) – if available

Adjusted Cash Flow (Annual) – from returns or financials

If using returns: Ordinary income + depreciation + interest (+ rent when appropriate).

Existing Monthly Debt Payments (Global)

Estimated Proposed Monthly Payment (P&I or IO)

Use lender quote if available; otherwise leave blank and flag as pending.

DSCR Status(Required)

If estimated, note assumptions in Notes.

DSCR (if calculated/estimated)

Cash flow ÷ (existing debt + proposed payment).

If DSCR > 1.80 and borrower is small-business owner-occupied, flag for review — verify cash flow normalization.

F) LTV Worksheet

Quick LTV check and program fit.

LTV Status(Required)

Calculated LTV % (if value known)

Loan amount ÷ value × 100. Raw land: Conv ≤65%, HM ≤50%.

G) Document Tracker (What We Have vs Need)

Check what is received. Missing items become follow-ups.

Received Documents

Application / Intake

Personal Financial Statement (PFS)

Debt Schedule (Excel)

Personal Tax Returns (2–3 years)

Business Tax Returns (2–3 years)

P&L (YTD)

Balance Sheet (YTD)

Rent Roll

T-12

Bank Statements (3 months)

Purchase Contract / LOI

Current Mortgage Statement(s)

Entity docs (Articles/Operating Agreement)

Missing Items / Follow-Up Questions (paste from AI output)

File Readiness Gate(Required)

Ready to Write-Up (all critical items received)

Pause (critical items missing)

Redirect Program (wrong fit)

Kill Deal (unworkable)

H) Program Recommendation (Ranked)

Internal recommendation only (subject to underwriting).

Primary Program Recommendation(Required)

Conventional

SBA 7(a)/504

NIV

Hard Money

Unclear (need more info)

Secondary / Backup Program

Conventional

SBA 7(a)/504

NIV

Hard Money

None

Reasoning / Notes

Include red flags + mitigants. If Hard Money, state why conventional/SBA/NIV are not viable.

I) Submission & Timing

Track internal SLA and next steps.

Priority(Required)

Target Write-Up Due Date

MM slash DD slash YYYY

Next Action(Required)

A) Deal Identification

B) Scenario (Copy/Paste)

C) Property & Transaction

D) Borrower Snapshot

E) DSCR & Cash Flow Worksheet

F) LTV Worksheet

G) Document Tracker (What We Have vs Need)

H) Program Recommendation (Ranked)

I) Submission & Timing

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