How a private lender tells a clean deal from a messy one in the first hour

A private lender can handle a deal that needs a decision within an hour by looking closely at the borrower's package against the loan terms asked. Underwriting reads the package and returns debt yield, coverage and a list of open items, so a clean deal moves and a messy one gets specific questions. ## What to check | Check | Why it matters | |---|---| | Debt yield | Quick view of loan size against income | | Coverage at the quoted rate | Tests payment capacity | | Missing documents | Shows how organized the sponsor is | | Income that does not tie out | Warns of overstated NOI | | Concentration in one tenant | Shows single-point risk | ## How Titleman fits Titleman has two services for this work. Underwriting screens a deal from its documents and lists every assumption. Signals sends new deals in your territory. Send one deal to Underwriting and see the result before you decide anything. ## Frequently asked questions **What is the fastest signal of a messy deal?** Income figures that change between the memorandum and the operating statements. **Where can I try it?** See [how Titleman Underwriting works](https://titleman.ai/) and send one deal.