Passive Real Estate Investing What Lenders Really Look For (and How to Avoid Last-Minute Loan Nightmares)
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Aug 26, 2025 Aaron Chapman, an investor-friendly lender with extensive experience, joins to unravel the complexities of the lending process for real estate investors. They tackle common lender inquiries, the dizzying amount of paperwork, and strategies to avoid the chaos of last-minute loan dramas. Aaron shares what appraisers truly consider, how to handle low property valuations, and reinforces that lenders should be viewed as business allies, not adversaries. This conversation is a treasure trove for anyone looking to confidently scale their investments!
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Collect Paperwork Early
- Gather all documents early during prequalification to avoid last-week scrambles.
- Provide complete paperwork up front so lenders don't create new questions late in the deal.
Pick A Partner, Not Just A Rate
- Interest rate differences between lenders are usually small and shouldn't be the primary selection factor.
- Choose a lender who helps you succeed as an investor, not the cheapest rate.
Provide Referenced Tax Docs
- If tax returns show K-1s or 1099s, expect lenders to request those and possibly the business tax return.
- Provide any referenced business documents promptly to avoid loan delays.