Desk notes
Read the file the way a desk reads it.
Operator notes on Hard Money, LTC / LTARV, and typical uses. No rate shopping. No retail refinance copy.
Desk notes
What is hard money?
Private, asset-based, business-purpose capital. Short term. Points and IO carry. Not a consumer mortgage.
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LTC and LTARV basics
Loan-to-cost and loan-to-after-repair-value. Dual caps, cash to close, and why ARV belongs on the worksheet before you bid.
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Typical uses
Fix-and-flip, bridge, and light refinance stories this desk will look at — and the occupancy rule that ends the conversation.
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FAQ
Direct answers and common objections. Broker, not a lender. Business-purpose only. No owner-occupied.
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