The first-deal checklist
1. The application itself
The short form about you, the property and the plan for it. You fill it in online — nothing to print.
A good copy: Answered fully, with the property address and the amount you are asking for.
2. Credit authorization
Your written OK for us to pull a credit report. No credit pull happens without it.
A good copy: Signed in the portal by each person guaranteeing the loan.
3. Photo ID for each guarantor
A government-issued photo ID — a driver's license or passport — for every person guaranteeing the loan.
A good copy: A clear photo or scan of the front, not expired, name matching the application.
4. Entity documents
The paperwork for the company that will own the property — usually an LLC.
A good copy: The operating agreement, the articles of organization, and the IRS letter with the company's EIN.
5. Bank statements
Recent statements for the accounts the money moves through.
A good copy: The last three months, all pages, with the account holder's name visible.
6. Rent roll and leases
For a property with tenants: who lives there, what they pay, and the signed leases.
A good copy: A current rent roll covering every unit, plus the signed lease for each one.
Your real checklist is built for your deal and may ask for more or less — an appraisal, insurance, or renovation budget depending on the property. Each item in your portal comes with an upload slot and a note on what it is for.