Investor Resources & Deal Calculator

Loan Documents & Investor Guidance

Everything you need to prepare a submission, plus the practical guidance behind how these deals get underwritten. Running numbers on a specific property? Use the Deal Calculator.

Download the documents you need to prepare your financing request. Start with the Loan Application, then complete the supporting form(s) that match your project. After completing downloaded forms, return them using the Upload Completed Documents button below. No account or sign-in is required. If you prefer, email completed files to [email protected] and include the borrower name and property address in the subject line.

Practical Guidance for Real Estate Investors

The financing is only one part of a successful investment. These resources explain how ACP Real Estate Lending evaluates value, leverage, borrower contribution, rental cash flow, and project profitability so investors can make better decisions before committing capital.

How Preliminary ARV Is Evaluated

A credible after-repair value should be supported by comparable properties that compete with the subject in location, size, age, condition, design, and market appeal. Nearby sales are not automatically valid comps. Major roads, subdivision boundaries, school zones, new construction, unusual lots, and significant differences in size or architecture can materially affect value. Active and pending listings also matter because they show the competition the renovated property may face.

Understanding the 70% All-In Structure

Under a 70% all-in program, the maximum total loan is generally calculated as 70% of the supported ARV. Renovation funds, lender fees, and applicable closing costs are allocated first; the remaining amount is available toward the purchase. A deal can potentially produce little or no cash required at closing only when the purchase price and all other funded costs fit within the maximum loan. Liquidity and reserve requirements still apply.

DSCR Rental Loan Basics

Debt-service-coverage-ratio financing focuses primarily on whether the property’s qualifying rent supports the proposed housing expense. Taxes, insurance, association dues, interest rate, loan amount, and amortization all affect DSCR. A property with attractive gross rent can still fail to qualify if expenses or the proposed debt payment are too high.

Documents for a Useful Quote

For purchase or renovation financing, send the property address, contract or purchase price, renovation budget, estimated ARV, intended exit strategy, estimated credit score, experience, liquidity, and target closing date. For rental financing, also include current or projected rent, taxes, insurance, association dues, and requested loan amount. Complete information produces a more reliable preliminary structure.