DSCR Refinance · Florida Rental
Value$520K
DSCR1.18x
Outcome$110K cash-out
StructureAligned to long-term hold
Chad Evers · NMLS #2822744
Investor Deals Don’t Break on Rate — They Break on Structure
Built on 20+ years across Congressional Bank, BayFirst, and Citi — this process applies institutional credit thinking to real estate investor deals, from DSCR to complex capital structures.
DSCR · Fix & Flip · Business Purpose Lending · Structured deal evaluation within 24 hours
This Isn’t a Brokerage — It’s a Decision Framework
Most lending experiences are transactional — focused on rates, approvals, and speed.
This process is built differently.
Every deal is evaluated through a structured framework developed across bank platforms, credit environments, and real-world investor execution — designed to answer one question:
Does this deal actually work — now and over time?
How It Works
How Investor Deals Are Evaluated
The focus is not just whether a loan can be approved — but whether the structure aligns with the strategy.
- Leverage vs exit timing — aligning debt with realistic hold periods.
- Cash flow durability — performance under rate pressure or vacancy.
- Liquidity after close — ensuring flexibility isn’t sacrificed.
- Structure fit — DSCR, bridge, second lien, or conventional — based on the actual plan.
- Failure points — identifying where deals typically break before they do.
Where Most Investor Deals Break
Across thousands of loans, the patterns are consistent.
- Over-leveraging early and limiting future options.
- Structuring short-term debt without a defined exit.
- Prioritizing rate over structure.
- Underestimating post-close liquidity needs.
- Treating lenders as interchangeable.
Most issues don’t show up at closing — they show up later. The goal is to identify them upfront.
Example Deal Structures
Example Deal Structures
Second Lien · Portfolio Investor
PropertiesMultiple
GoalAccess equity without disturbing first liens
StructureSecond lien across portfolio
Fix & Flip · Ohio
Purchase$290K
Rehab$85K
Structure12-month bridge, defined exit
Each deal is evaluated using the same framework — then matched to the appropriate capital source.
Background
The platform was built once — then rebuilt and scaled across institutions.
Congressional Bank (now Forbright Bank)— 2007–2018
I built a national direct-to-consumer mortgage platform from the ground up — including lead generation infrastructure, sales systems, and operational processes. What started as a small initiative became a primary growth engine for the bank, scaling through a purpose-built team and a fully integrated origination model. This was the foundation: building the machine, not just participating in it.
BayFirst— 2018–2022
BayFirst brought me in to accelerate the build-out of their mortgage division. I brought the same team and applied the platform model developed at Congressional — rebuilding and scaling it inside a new institution with different constraints. The result was a national operation built on the same core system: structured origination, integrated execution, and disciplined growth.
Citi
At Citi, I focused on credit, risk, and large-scale regulatory programs — working inside institutional frameworks that govern how lending decisions are made at scale.
Today, that experience is embedded into how deals are evaluated — combining platform-level execution, real-world lending, and institutional credit perspective.
The Process
What Happens When You Submit a Deal
01
The deal is evaluated using the same institutional credit framework.
02
Viable structures are identified based on property, leverage, and strategy.
03
A clear path forward is provided — or direct feedback on what doesn’t work.
The goal is clarity — before you commit to the wrong structure.
If You’re Looking at a Deal, Start Here
Get a structured evaluation and a clear direction — typically within 24 hours.
NMLS #2822744 · Verify on NMLS Consumer Access