BrickAtlasFor Hard money lenders
Screen hard-money deals with clearer exits
Underwrite borrower packages with strategy fit, rehab risk, and debt coverage — then keep a memo attached to the file.
Thin packages slow every credit decision
Borrowers send optimistic ARVs and fuzzy rehab. Lenders need a consistent way to pressure-test exit, equity, and carry — without rebuilding Excel for every deal.
A consistent lender screen
- 01
Bias for lender defaults
Hard-money personas seed conservative flip/BRRRR-oriented assumptions and rate context.
- 02
Run the address through Analyst
Comps, condition, rehab ranges, and strategy scores land in one Investment Memo.
- 03
Decide with debt metrics visible
DSCR, capital stack assumptions, and exit narrative sit beside the recommendation.
For private lenders who price risk, not stories
Exit before ego
See whether flip, BRRRR, or hold is the honest path for the asset.
Rehab skepticism built in
Photo-backed condition and rehab context reduce surprise draws.
Deterministic coverage math
DSCR and related metrics come from code, so your file notes stay auditable.
Shareable underwriting trail
Keep snapshots as deals move from term sheet to funding.
Related calculators
Quick screens for common underwriting questions. Each calculator opens on its own page. The Investment Memo computes the full set in BrickAtlas Analyst.
- DSCR calculatorDebt service coverage for lender-ready screening.
- BRRRR calculatorBuy, rehab, rent, refinance, repeat — capital left in.
- MAO / 70% rule calculatorMax allowable offer from ARV, rehab, and margin.
- Flip profit calculatorPurchase, rehab, hold, and sell into net profit.
- Mortgage payment calculatorPrincipal and interest for underwriting assumptions.
FAQ
- Is BrickAtlas a LOS for hard money?
- No. It is an investment navigation and underwriting memo tool for screening deals — not loan origination, servicing, or compliance software.
- Can borrowers submit deals into BrickAtlas?
- Today lenders (or their analysts) run addresses through Analyst. Share links help circulate a read-only memo when enabled on your plan.
- Do you support DSCR rental loans?
- Analyst surfaces DSCR and rental metrics useful for rental and bridge-to-rental screening. Confirm product fit against your own credit box.
Tighten the screen before the term sheet
Use a lender persona and Investment Memo to standardize how your desk reads borrower deals.
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