Work directly with Phillip Stephens
Know what your financing review covers
Bring the property, the plan, and the questions. We help organize the facts, identify financing options worth exploring, and explain the details that still need confirmation.
Start with a complimentary conversation.
The 15-minute consultation helps us understand your investment, available capital, timeline, and planned exit. You can start while the file is still coming together. Our initial fit review is separate from a lender’s term sheet or approval.
The 24-hour fit-review offer covers an initial read on fit. A detailed comparison or written recap may require additional information and lender responses.
A clear recap of the next step
After reviewing the available information, we summarize the key points in a written follow-up. Estimates and unresolved items are identified so you can see what needs work.
- Your objective. The property, investment strategy, timing, and proposed exit.
- Potential fit. Programs worth exploring and the requirements still to confirm.
- Costs and choices. Available terms, cash needs, and the trade-offs to compare when proposals are available.
- Open items. Documents, assumptions, or obstacles that could affect the file.
- Next action. What to gather, clarify, or submit next.
See what a review can look like.
- Investor’s goal
- Buy a rental property and compare financing for a long-term hold.
- Initial numbers
- Assumed rent of $3,000 per month and assumed PITIA of $2,400 produce a screening ratio of 1.25. Other operating allowances still need a separate budget.
- Questions to resolve
- Accepted rent evidence, appraisal, property condition, credit, reserves, ownership, and prepayment terms.
- Comparison to prepare
- Use the same loan amount to examine upfront costs, payments, early payoff conditions, and the intended holding period.
- Next step
- Gather rent and expense evidence, then confirm program requirements before seeking lender-issued terms.
How Stephens Capital Group works with lenders
We help prepare and present your file to independent business-purpose lenders. We compare options available through our lender relationships; that comparison may not include every provider or program in the market.
The lender sets its program terms, underwrites the request, and makes the financing decision. Our work is to help you understand the available choices, organize the file, and keep the next steps clear.
Make the costs clear before choosing.
Ask for an itemized explanation of any Stephens Capital Group compensation, who pays it, lender charges, and third-party costs. Amounts and payment arrangements depend on the proposal. Review these alongside cash needed, reserves, draws, and repayment terms.
Bring what you have.
Start with the property address and state, strategy, price or value, budget or rent assumptions, available capital, and target timeline. Label estimates. The borrower readiness checklist can help you prepare.