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GOLDEN RULE INVESTMENTS
A clearer path from deal to closing.
Getting financing shouldn’t feel like sending an application into the unknown. We make the process clear from the first conversation through closing and funding.
01
Initial Consultation
We gather the information needed to understand your deal through a consultation call or funding questionnaire. From there, we review the opportunity and provide an initial financing assessment based on the information provided and our market knowledge.
No lender submission at this stage.
02
Application & Documents
Once you’re ready to move forward, you complete our full application and provide the deal details and supporting documentation needed to prepare your file for lender review.
03
Processing Fee
Before we begin active lender review, a non-refundable processing fee is collected to move your completed file into the lender placement process.
04
Lender Placement
We take your completed file to the lenders in our network whose programs align with the property, borrower, and transaction, evaluating available options for leverage, terms, and overall fit.
05
Preliminary Terms
The selected lender reviews the opportunity and issues preliminary terms outlining the proposed financing. We review the terms with you before moving forward.
06
Underwriting & Due Diligence
The lender moves your file into underwriting and begins the required due diligence, which may include appraisal, title, insurance, and other documentation based on the lender’s guidelines.
07
Final Approval
Once underwriting and due diligence are complete, the lender issues its final approval, subject to any remaining conditions required before closing.
08
Closing & Funding
Once final approval is in place and closing conditions are satisfied, the lender coordinates closing and funds the loan.
Typical Timelines
Fix & Flip / Bridge
As little as 48 hrs
Most Fix & Flip deals close within 1–2 weeks.
New Construction
~2 weeks
Typical timeline for Ground-Up construction financing.
DSCR & Multifamily
~30 days
Typical timeline for long-term rental and multifamily financing.
Frequently Asked Questions
Straight answers to what most investors ask before moving forward.
Is the processing fee refundable?
No — it's a flat, non-refundable engagement fee that begins the formal underwriting process, not a cost pass-through.
What happens if my deal's numbers change?
We requote. Terms are based on the information provided at the time, so if your numbers shift, we revisit the quote before moving forward.
Can I choose my own title or insurance provider?
Yes — title can go through your provider of choice or the lender's, and insurance is arranged per lender guidelines.
Are the terms on my term sheet guaranteed?
Term sheets are preliminary and subject to underwriting, appraisal, title review, and final lender approval — not a guarantee of final terms.
Your Deal. Our Network.
More lending options. One trusted resource.
Legal & Disclosures
Have a deal you’re working through, an opportunity you’re considering, or a question about financing?
