Loan Process
A Faster, Simpler Way to Fund Real Estate Deals
Cost Fund helps real estate investors move from deal review to closing with a practical private lending process built around speed, transparency, and common-sense underwriting.
How the Cost Fund Process Works
When timing matters, borrowers need a lender who can review the opportunity quickly and communicate clearly. Our process focuses on the property, the borrower, the project plan, and the exit strategy so you know where the deal stands.
Every loan is subject to underwriting and approval, but the goal is simple: collect the right information early, provide a clear review, and help qualified borrowers move toward closing without unnecessary delays.
Step 1
Submit Your Deal
Start by sending the basic details for the property and your project. The more complete the information is up front, the faster we can review the opportunity.
- Property address
- Purchase price or current value
- Requested loan amount
- Estimated rehab budget
- Target closing date
Step 2
Initial Review
We evaluate the deal using a private-capital lens. That means looking at the collateral, the project, the borrower profile, and the planned exit instead of relying only on a traditional bank checklist.
- Property condition and value
- After-repair value or exit value
- Borrower experience
- Scope of work
- Exit strategy
Step 3
Loan Terms
If the deal fits our lending criteria, we provide practical terms so you can decide whether the loan works for your project and timeline.
- Loan amount
- Rate and points
- Term length
- Draw structure, when applicable
- Closing requirements
Step 4
Close and Execute
Once approved, we help move the file toward closing. After funding, borrowers can focus on acquisition, renovation, resale, refinance, or the planned exit strategy.
- Finalize documentation
- Coordinate closing
- Fund the approved loan
- Begin the project
- Work toward the exit plan
What Helps Speed Up Review
A complete submission helps us respond faster and gives our team a clearer picture of the deal.
- Photos or listing link
- Purchase contract, if available
- Renovation scope
- Rehab budget
- Entity information
- Borrower background
- Comparable sales or ARV support
- Insurance contact
- Title company contact
- Exit strategy details
This page is for general information only. Final approval, rates, points, leverage, and closing timelines depend on underwriting, collateral, borrower qualifications, and complete documentation.
Fast Communication
We keep the process focused so borrowers know what information is needed and what the next step is.
Transparent Terms
Our goal is to provide clear private lending terms that help you evaluate the opportunity confidently.
Deal-Focused Review
We look at the real estate, project plan, borrower profile, and exit strategy to understand the full opportunity.
Ready to Review a Deal?
Send us the property details, timeline, and requested loan amount. We will review the opportunity and let you know if it fits our lending criteria.