How Financing Works
A Straightforward Path From Deal to Closing.
01
Tell Us About the Deal
Share your property, transaction type, and financing goals so we can identify a fit.
02
Review Available Financing Options
We outline the programs and structures that may apply to your deal.
03
Submit Required Documentation
Provide the borrower, property, and transaction documentation the program requires.
04
Move Toward Approval and Closing
We work with you and the funding source to move the file toward approval and closing.
Every transaction moves through the same four stages so you always know what's next.
What to Expect to Provide.
Documentation requirements vary by program, but most transactions require information in three categories: borrower, property, and transaction. Having these ready in advance can help move your file forward faster.
Borrower Documentation
Identification
Entity formation documents (if applicable)
Experience history
Background information relevant to the transaction
Property Documentation
Purchase contract or current ownership documents
Property details
Photos
Scope of work or renovation/construction plans where applicable
Transaction Documentation
Budget or cost breakdown
Insurance information
Entity or title information
Any additional items the specific program requires
Exact documentation is confirmed once your file is matched to a specific financing program and is subject to underwriting and program requirements.
Process and Timing Questions.
Answers to the questions investors most often ask before they submit a deal for review.
How long does the process typically take?
Timing varies by program, documentation readiness, and property type; most files move through review and toward closing once required documentation is complete and underwriting conditions are satisfied.What if I don't have all my documentation ready yet?
You can start the conversation before every document is finalized; we'll outline what's needed as your file develops.Do I need to apply through LendingWise to get started?
No. You can first share your deal through the short financing options inquiry; the full application is used once you're ready to move forward.Will I work with the same point of contact throughout?
Yes, you'll have a consistent point of contact who understands your deal as it moves through review.Can I explore financing options before I have a property under contract?
Yes, many investors reach out to understand available programs before identifying a specific property.What happens after I submit documentation?
Your file moves into review with the applicable funding source, where underwriting evaluates the borrower, property, and transaction details before an approval decision.
Ready to Move Your Deal Forward?
Whether you're early in exploring options or ready to submit documentation, we'll help you find the right next step.
