Screen the deal against each lender's stated box
Rung 8 of 10 · Fact-check list
1 · Learn the move · Fact-check list
Placing a loan is matching one deal to the right lender box, and the fast way to burn a week is pitching a bridge deal to an agency desk that only does stabilized. The move: paste each lender's stated criteria, then screen the deal against them one lender at a time, FIT, NO-FIT, or UNKNOWN. And for every verdict quote the exact criterion that decides it. You sit borrower-side, so you work only from what the lender actually published or told you; you never invent a program's leverage, rate, or appetite to make a lender look like a fit. A criterion the user didn't paste isn't a guess. It's UNKNOWN, and the answer is 'call the lender,' not 'assume market.'
Which of these lenders is the best fit for my deal? [deal] [lender 1] [lender 2] [lender 3] [lender 4]
2 · Your turn. You write the prompt
You have a $12M light value-add multifamily deal: 88 units, 1.18x in-place DSCR, transitional business plan (interior renovations, then a refinance). You paste four lenders' stated criteria, Agency: 'stabilized multifamily only, 1.25x DSCR min'; Debt fund: 'bridge, transitional OK, 1.10x DSCR min, SOFR+350-450'; Regional bank: 'multifamily, in-footprint, recourse, 1.20x min'; CMBS conduit: 'stabilized, 5- or 10-year fixed.' One lender's DSCR minimum wasn't in what you pasted. You want a fit screen before you make any calls.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
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