THE PROCESS
FROM INQUIRY TO FUNDING
No committee, no stack of tax returns, no guessing where your file stands. Here's exactly what happens between the moment you submit a scenario and the day you close.
10 DAYS
AVERAGE CLOSE
80% ltv
MAXIMUM
$2-100m
LOAN AMOUNTS
12-360 mo
INTEREST-ONLY TERMS
DAY 0
SUBMIT THE SCENARIO
Tell us about the deal, we'll tell you if it works. The initial scenario submission takes a few minutes and covers the basics needed to get you an accurate read:
- Property address (or a link to the listing if it's not under contract yet)
- Purchase price and estimated as-is value
- Loan amount requested
- Deal type: fix-and-flip, DSCR rental, bridge, new construction, or refinance
- Estimated rehab or construction budget, if applicable
- After-repair value (ARV) or projected rental income
- Your exit strategy: sell, refinance, or hold
- Investing experience: number of deals completed to date
- Target closing timeline
No documents are required to submit a scenario. This step is about the deal, not your paperwork, we're not asking for tax returns, bank statements, or income verification to give you an initial read. Documentation only comes into play once you're moving into the term sheet and underwriting stages.
DAY 1-2
TERM SHEET
Tell us about the deal, we'll tell you if it works. The initial scenario submission takes a few minutes and covers the basics needed to get you an accurate read:
- Property address (or a link to the listing if it's not under contract yet)
- Purchase price and estimated as-is value
- Loan amount requested
- Deal type: fix-and-flip, DSCR rental, bridge, new construction, or refinance
- Estimated rehab or construction budget, if applicable
- After-repair value (ARV) or projected rental income
- Your exit strategy: sell, refinance, or hold
- Investing experience: number of deals completed to date
- Target closing timeline
No documents are required to submit a scenario. This step is about the deal, not your paperwork, we're not asking for tax returns, bank statements, or income verification to give you an initial read. Documentation only comes into play once you're moving into the term sheet and underwriting stages.
DAY 2-7
DILIGENCE & DRAW SETUP
Once you've accepted your term sheet, our team gets to work confirming the details while building out your closing and draw structure in parallel, so nothing sits waiting on the next step. Here's what's happening behind the scenes:
- Appraisal ordered and scheduled, if required
- Title search and insurance ordered
- Entity documents (LLC or corporation) collected and reviewed
- Insurance requirements confirmed (hazard, builder's risk, or flood, depending on property type)
- Scope of work and budget finalized for renovation or construction deals
- Draw schedule built around your project's milestones, not a fixed monthly calendar
- Final underwriting review and conditions cleared
This is typically the most document-heavy stage of the process, but it's still limited to what's needed to verify the property and close the loan, not your personal financials. Your dedicated team stays in contact throughout so you know exactly what's outstanding and what's already cleared.
Once diligence wraps and your draw schedule is finalized, you're ready to close.
DAY 8-14
CLOSE & FUND
Once diligence clears and your draw schedule is set, closing moves quickly, no last-minute conditions, no waiting on a committee to sign off. Here's what happens at this final stage:
- Final closing disclosure and loan documents issued for review
- Signing scheduled with your title/escrow company (in-person or remote/mobile notary, depending on your market)
- Funds wired at closing
- First draw request available immediately for construction and renovation deals, no waiting period before you can start
pulling on your budget
- Loan servicing setup: payment schedule, draw request process, and your point of contact for the life of the loan
Once you've signed, funding typically happens the same day or next business day, so you can get to work without a gap between closing and starting your project.
have an opportunity?
THE PROCESS FAQ
Do I personal need tax returns or income documentation?
No. Deals are underwritten on the property and the plan, not personal income.
Do I need previous investing experience?
No prior experience is required to submit a scenario or get a term sheet. That said, terms like leverage and pricing can vary based on your track record, first-time investors are welcome, and we'll walk you through what to expect at every step.
What if my timeline is faster or slower than 10 days?
10 days reflects an average close, not a guarantee. Timelines shift based on title, appraisal, and how quickly documents come back, your dedicated team will keep you posted at every stage.
Can I close under an LLC?
Yes, most investor loans close under an entity rather than an individual name.
What happens after closing?
For construction and rehab deals, draws release as milestones are completed, not on a fixed monthly schedule, so funds show up when the work does.
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Disclaimer: Bear Private Capital DBA Molitor Financial Group, LLC | The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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