Quote Intake | My Remote Lender

Let's Get Started

Tell us about you and the loan purpose.

Loan Purpose * iAre you buying a new property (Purchase) or refinancing an existing one you already own (Refinance)?

Refinance Purchase

Please select a loan purpose

Loan Officer * iSelect the loan officer who will be handling this quote request.

Please select a loan officer

Requester * iThe person filling out this form. This may or may not be the borrower. Could be a referral partner, real estate agent, or team member.

Please enter your name

Email * iEmail address for the requester. Used to look up or create your contact profile in our system.

Please enter a valid email

Phone * iPhone number for the requester. We may reach out via call or text regarding your quote.

Please enter a valid phone number (at least 10 digits)

Main Borrower / Guarantor * iThe primary person whose credit will be pulled and who will be responsible for the loan. If there are additional borrowers or guarantors, click the + button to add them.

Please enter the primary borrower's name

Primary Residence Status * iSome lenders exclude borrowers who live rent-free, especially first-time investors.

Please select primary residence status

Estimated Credit Score * iYour best estimate of the borrower's middle FICO score.

Enter a valid score (300-850)

Citizenship * iCitizenship status affects which loan programs are available. Foreign Nationals and ITIN borrowers have specific program requirements and may have different LTV limits.

Please select citizenship status

How are you closing? * iPersonal name = closing in your own name on title. Entity = closing in an LLC, Trust, or Corporation.

Personal Name LLC / Entity / Trust

Entity Details

LLC / Entity / Trust Name * iEnter the exact entity name that will be on the title/deed. We'll verify the ownership structure.

Who are the owners and their %? iList all members/owners and their ownership percentages. Lenders typically require the guarantor to own at least 25-51% of the entity.

Multiple layers / complex entity structure? * iIf the entity is owned by another LLC, trust, or corporation (multi-layered), we'll need entity documents (Operating Agreements, Articles of Organization) for each layer ahead of time.

Yes No

If yes, entity docs will be needed ahead of time.

Property Details

Tell us about the property.

Property Address * iStart typing and select from the dropdown. Enter the full property address including street, city, state, and zip code.

Please enter a property address

Property Type * iThe classification of the property. SFH = Single Family Home. ADU = Accessory Dwelling Unit. Mixed-Use = residential + commercial. Property type affects available programs and max LTV.

Please select a property type

Beds / Baths (per county records) iThe official bedroom and bathroom count as recorded by the county assessor. This may differ from the actual layout. Lenders use county records for underwriting.

Current Occupancy Status * iCurrent occupancy status. If tenant occupied, lease income may be usable to qualify and we may need lease details. Vacant properties may have different reserve requirements.

Please select current occupancy status

Lease Details

How many units are leased? *iEnter the number of units currently leased, then the total number of units on the property.

of

Is the property furnished? iFurnished properties (common with STR/AirBnB) may affect appraisal value. Some lenders exclude furniture value from appraised value.

Yes No

Is this currently a PadSplit or Co-Living property? iWe lend on PadSplit and co-living properties. This information is critical — please be extremely truthful so that we know exactly how to structure your loan and get it funded.

Yes No

PadSplit / Co-Living Details

Beds in Property *iActual number of bedrooms, which may differ from county records if rooms were converted.

Baths in Property *iActual number of bathrooms, which may differ from county records.

How many rooms have closets? *iRooms with closets are more likely to be considered legal bedrooms by appraisers.

Lease Structure * iWhether the lease is with a person or an entity, and whether it's one master lease or individual room leases, materially changes which lenders will finance the deal.

Please select lease structure

Living room converted? *iHas the living room been converted into a bedroom? Common in co-living but affects how the appraiser values the property.

YesNo

Beds added in living room * iHow many bedrooms were created from the living-room conversion.

Dining room converted? *iHas the dining room been converted into a bedroom? Common in co-living but affects how the appraiser values the property.

YesNo

Beds added in dining room * iHow many bedrooms were created from the dining-room conversion.

Conversion Details

Conversion Permitted by City/County * iPermitted conversions give us flexibility on appraisal strategy and lender selection. Unpermitted work limits options and may reduce LTV or raise rate.

Please select conversion permitted status

Conversion Severity * iSeverity guides lender selection. Heavy conversions typically cap at 65–75% LTV with rates 1–2% higher.

Please select conversion severity

Which rooms are occupied? *iList which rooms currently have tenants to understand occupancy rate. If none are occupied, enter "None".

Management Type *iSelf-managed / Non-PadSplit: You manage rooms yourself without a platform.
Self-managed / PadSplit: PadSplit for placement, you manage.
Property Manager / PadSplit: PM handles day-to-day via PadSplit.
Property Manager / Non-PadSplit: PM handles day-to-day, no PadSplit platform.

Financial Details

Property values, loan amounts, and monthly costs.

Purchased / Closed Date * iWhen you originally purchased this property. Important for seasoning — if you closed less than 6 months ago, we'll also require the original purchase price for seasoning-based LTV limits.

Original Purchase Price iThe price you originally paid. Required when closed less than 6 months ago (lenders use it for seasoning-based LTV limits).

Rehab Work Done iTotal spent on renovations since purchase. Some lenders factor rehab costs into LTV calculations.

Estimated Appraised Value *iWhat the property would appraise for today. Key number for your LTV ratio.

Existing Loan Amount *iCurrent outstanding balance on any existing mortgage(s). Determines payoff amount and available equity.

# of Liens Recorded on PropertyiHow many mortgages or liens are recorded against this property. All must be paid off or subordinated at closing.

Purchase Price *iThe agreed-upon contract price. Your loan amount will be calculated as a percentage (LTV) of this price.

Do you need money for rehab (hard money loan)?iIf the property needs significant renovation, you may need a hard money or bridge loan that includes rehab funds. The lender will hold rehab funds in escrow and release them as work is completed.

YesNo

Rehab / Hard Money Details

Estimated Rehab Cost *iTotal budget for planned renovation. Lenders require a Scope of Work and may inspect before releasing draws.

After Repair Value (ARV) *iEstimated market value after all renovations. Lenders use ARV to determine max loan amount (typically 70-75% of ARV).

Desired LTViLoan-to-Value ratio — the percentage of the property value you want to borrow. Lower LTV = better rates. Most DSCR programs max at 75-80%.

Market / Leased Rents (monthly)iMonthly rental income the property generates or could generate. Critical for DSCR calculations.

If taking over an existing lease, enter the leased rent amount.

Taxes iYour property tax amount. Enter the dollar amount, then pick MO or YR to tell us what that number means.

Insurance iHazard/homeowner's insurance. Enter the dollar amount, then pick MO or YR to tell us what that number means.

HOA iHOA dues, if applicable. Enter the dollar amount, then pick MO or YR to tell us what that number means.

What is your goal?iMax Cashout: Pull as much equity as possible.
Better Rate: Lower your interest rate/payment.
Both: Some cash out AND a better rate.

Max Cashout Better Rate Both

Where are the cash-to-close funds coming from? *iThis is a specific and important question. We work with lenders that have no cash-to-close seasoning requirements, so knowing exactly where your funds are coming from allows us to match you with the best program and guide you to get your deal funded. We're on your team.

Do you make an income that could qualify for Bank Statement?iBank Statement programs allow self-employed borrowers to qualify using 12-24 months of bank statements instead of tax returns. This often results in higher qualifying income. On refinances, it can unlock up to 85% LTV rate-and-term.

Yes No

Bank Statement / Income Details

Estimated Monthly Income *iYour estimated gross monthly income from all sources. This helps us determine your debt-to-income ratio and which Bank Statement program tiers you qualify for.

Estimated Monthly Debts *iTotal monthly debt obligations including all mortgage payments, car payments, student loans, credit card minimums, and any other recurring debt.

Do you have any mortgages under the LLC you wish to close in? *iIf closing in an LLC, lenders may need to know about other loans held by that entity. This affects the entity's debt profile and some lenders limit total properties per entity.

Yes No

Strategy & Additional Info

Investment strategy, prepayment, and other details.

Future Investment RE StrategyiHow do you plan to use the property going forward? Helps us recommend the best loan structure.

Did YOU list the property for sale in the last 12 months?iIf listed recently, some lenders may consider it a flip and apply different guidelines.

YesNo

Listing Details

When was it taken off the market? *iLenders typically require 90-180 days off market before approving a refinance.

Desired Prepayment Penalty (PPP) — select all you'd consider iA prepayment penalty charges a fee if you pay off early. Longer PPP = lower rate. Select all options you're open to so we can show you the best pricing across the board.

# of Investment & Primary Properties Owned/Sold in Last 3 Years (with mortgages) iTotal properties you've owned or sold in the last 3 years that had a mortgage. This determines your experience level — more experience = better pricing and higher LTV options.

Property Experience Details

Investment or Primary? * iWere these investment properties or your primary residence? This affects which experience tier lenders place you in.

Months of Investment Property Ownership (longest) * iCertain lenders require combined primary + investment experience totaling 24+ months, with investment experience of at least 12 months. Enter 0 if none.

Months of Primary Residence Ownership (longest) * iCertain lenders require combined primary + investment experience totaling 24+ months, with investment experience of at least 12 months. Enter 0 if none.

# of Active Credit Cards or Tradelines iNumber of open credit accounts on your credit report. If you don't have investment or primary property experience, having enough tradelines can bypass some lender requirements. Each option shows the minimum months the tradeline must be open.

Desire to close in LLC or personal name?iClosing in an LLC provides liability protection but may have different rate/program options. You can transfer to an LLC after closing (check with lender first).

LLC / EntityPersonal Name

LLC / Entity Details

LLC / Entity Name *

Who are the owners and their %?

Multiple layers / complex entity structure? *

YesNo

If yes, entity docs will be needed ahead of time.

Partner to IncludeiBusiness partner, co-borrower, or referral partner to include in communications or on the loan.

Additional Notes / CommentsiAnything else relevant: special circumstances, timeline, specific lender preferences, or questions.

Review Your Submission

Double-check everything before submitting.

Remote Lender

Let's Get Started

Property Details

Financial Details

Strategy & Additional Info

Review Your Submission

Quote Request Submitted!