I have a deal now · Deal Review
Your LOI is out.Let's see if it funds.
A 30-minute video call with the Rinia capital team. We underwrite your deal the way a lender will — before you're sitting across from one — and tell you straight whether it works, what would break it, and which lenders will actually fund it.
What we look at
- Rent roll & T12
- Income and expense reality vs. the OM
- Debt coverage
- DSCR at the loan amount you're asking for
- Leverage
- LTV and where the equity comes from
- You
- Liquidity, net worth and operating experience
- The plan
- Business plan that holds up if rents or rates move
What you walk away with
A lender's read on your deal. Before you ask a lender.
- We underwrite your deal the way a lender will
- You hear whether it works, and what would break it
- You get a realistic range of loan terms and leverage
- If it's ready, we put you straight in front of the right lender
Bring: the OM or rent roll, the T12, and your LOI if it's out.
Most first-time buyers send their deal to lenders and learn what's wrong with it in the rejection. We flip that: you hear the lender's read first, fix what would break it, and walk in already fundable. If your deal is ready, we can start on financing the same week.
Pick a timeWhat happens on the call
Thirty minutes. Here's how they go.
- 00–05
Quick intro
You, the deal, and your timeline.
- 05–15
Underwrite
We run the deal the way a lender will — rent roll, T12, DSCR and LTV.
- 15–22
The read
What works, what would break it, and a realistic range of loan terms.
- 22–30
Next steps
The lenders who fit it, and what we'd do this week.
Send us the deal
Upload the docs.We'll come with a read.
The more we see before the call, the sharper the lender's read. Drop your deal packet in our secure portal and the Rinia capital team underwrites it before you join.
Open the secure portalReviewed only by the Rinia capital team
What to send
Offering Memorandum
The broker's package on the deal.
Rent Roll
Current unit-by-unit income.
Trailing 12 (T12)
Last 12 months of operating statements.
Your LOI
If it's already out. Optional.
Tell us about the deal
A few details, then pick a time.
So the 30 minutes are spent on your deal, not on introductions. We'll have this ready when you join the call.