Send the numbers.
We'll structure the loan.
One short form, no credit pull and no upfront fees. A person on our team reviews every submission and comes back with how we'd structure it and which lenders fit.
- 01Check your numbersSee your leverage in 30 seconds.
- 02Submit the dealOne deal or several. Docs are optional.
- 03Get a structureWe size the loan and match lenders.
Download the needs list for your deal
Pick your loan type and grab the checklist. It shows what we need to get you terms, and what we need to get you to the closing table. Send what you have now. Partial packages are fine.
Fix & Flip
Purchase contract, rehab budget, photos, proof of funds and your flip track record.
Download PDFBridge
Purchase contract or HUD, exit strategy, payoff (if refinancing) and bank statements.
Download PDFDSCR Rental
Leases or market rent, proof of rent received, reserves and your REO schedule.
Download PDFGround-Up Construction
Land contract, line-item budget, plans, permits, draw schedule and builder info.
Download PDFCommercial & Multifamily
Rent roll, leases, T-12, operating statements and guarantor financials.
Download PDFCash-Out Refinance
Original HUD, payoff statement, improvements since purchase and use of proceeds.
Download PDFLenders may request additional items during underwriting. Questions? Email deals@k3ledger.com.
See where your deal lands
Enter rough numbers. This runs in your browser and isn't saved or sent anywhere.
What speeds things up
Every deal
- Property address and loan type for each deal
- Purchase price or current value
- Your track record (deals done in the last 3 years)
- Recent bank statements showing liquidity
- Entity name (LLC) if you have one
Flip or construction
- Purchase contract
- Scope of work and rehab budget
- ARV comps, if you have them
- Plans, permits and builder info (construction)
Rental, commercial or refi
- Lease or rent estimate
- Rent roll and trailing 12 months (5+ units / commercial)
- Current mortgage payoff (refinance)
- Insurance and tax figures
Don't have everything? Submit anyway. The numbers come first; documents can follow.
Tell us about the deal
About 4 minutes. Check every loan type that fits, like a flip you plan to refinance into a DSCR loan. Have more than one property? List them all in the same form.
Form not loading? Open it in a new tab, or email the deal to deals@k3ledger.com.
From submission to term sheet
We read your deal
A person on our team checks the numbers, not a bot.
We size the loan
Leverage, term and the program that fits your exit.
We shop it
Only to the lenders most likely to close this deal.
You choose
Review the terms and decide. Nothing is binding until you sign with a lender.
Common questions
Does submitting run my credit?
No. The form doesn't pull credit. A lender may run credit later, only after you decide to move forward with their terms.
Is there a fee to submit?
No. K3 Ledger charges no upfront fees. Lender costs like the appraisal are spelled out on the term sheet before you commit.
Can I submit more than one deal?
Yes. Fill out the form for your main deal and list the others at the end. If one property needs more than one loan, like a bridge into a DSCR refinance, check both loan types.
Can I submit a deal that isn't under contract yet?
Yes. Send what you have and note where you are in the process. Early numbers help us tell you what leverage is realistic before you make an offer.
What if my numbers are above the program limits?
Submit it anyway. Limits depend on experience, liquidity and the property, and some lenders go further. We'll tell you what's realistic.
Do you lend on owner-occupied homes?
No. These are business-purpose loans on non-owner-occupied investment property only.
Rather just email it?
Send the address, price, rehab, ARV and loan amount. That's enough for us to start.