Deal Check · our lending partners' caps

What price makes the loan work?

Put the deal in and see the most the program allows, the cash you'd bring, and the price to get the property or land under so the numbers close. Fix & flip runs on our fix-and-flip partner's guidelines; construction, bridge and rental run on our construction partner's term sheet. No sign-in, no credit pull — just arithmetic on what each lender publishes.

Single Rental (DSCR)

our construction lending partner

Purchase or refinance one non-owner-occupied rental with 1–4 units.

$75,000 – $2,000,000 · 30 years

Property statePurchase priceMonthly gross rent (lower of in-place and market)Monthly PITIA (principal, interest, taxes, insurance, association)Cash you can bring to closing (before closing costs)

Cash-out refinance (75% LTV instead of 80%)

30-year fixed (fully amortizing or partial interest-only) or 5/6, 7/6 and 10/6 hybrid ARMs
80% of total cost basis when owned under 3 months
Loan-to-value: 80% purchase or rate-and-term refinance, 75% cash-out refinance
Minimum DSCR 1.05x (gross rent ÷ PITIA) · minimum guarantor FICO mid-score 660
Underwritten on property cash flow — no tax returns or borrower income
Leased units: lower of in-place and market rent; unleased: 100% of market rent (purchase loans, or one unit of a 2–4 unit refinance)
30–45 day closing timelines and easy seasoning · full recourse only

Result

Fill in the price, the budget and the value to see the numbers.

Ready to go to our construction lending partner?

Members sign in, confirm the file is ready (entity docs, credit, track record or proximity, contract, scope, liquidity, title and insurance) and go straight to the partner — no broker fee, and your priced material list travels with you.

Apply with our construction lending partner Price the build first

The Deal Check applies each lending partner's published loan-to-cost, loan-to-value, ARV, liquidity and DSCR caps to the numbers you type. It is not a quote, a pre-approval or a commitment: the lender's appraisal, credit review and underwriting decide every term. Closing costs, points, interest reserves and carrying costs are not included. The suggested offer is GHD's cushion under the lender's ceiling, not a lender term.

Good Hemp Distro is not a lender, mortgage broker or financial adviser and charges you no broker fee. Business-purpose loans on non-owner-occupied property only.