Guides & forms
Loan program guides and borrower forms.
Everything a lender will ask for, in one place. Download the program guides to check your deal against the terms, then fill in the forms that apply and send them with your file. Free, no sign-up.
Program guides (PDF)
7 pages · PDF
Hard Money Loan Programs
Fix and flip, bridge, ground-up construction and multifamily bridge: terms by experience tier, refinance limits, draw process and the states we serve.
Download →4 pages · PDF
DSCR Rental Property Loans
How DSCR is calculated, first-time investor rules, the full leverage matrix for DSCR above and below 1.0, prepayment options and multifamily DSCR.
Download →Borrower forms
Blue cells are yours to fill in; grey cells calculate on their own. Send completed forms to underwriting@easylendingusa.com or attach them when you submit a deal.
Excel · every loan
Personal Financial Statement & SREO
One per borrower and per 25%+ owner or guarantor. Assets, liabilities and net worth, plus a schedule of every property you own, with an automatic cross-check between the two.
Download →Excel · every loan
Real Estate Experience Worksheet
Your completed deals from the last few years. It sets your leverage tier — three exits in 36 months unlocks the best terms — and shows the likely tier as you fill it in.
Download →Excel · fix & flip, construction
Scope of Work & Budget
The line-item rehab or construction budget every draw is paid against. Totals, remaining balance, contingency check and an auto-written summary for the inspector.
Download →Fillable PDF · if needed
Appraisal Reconsideration Request
If the appraisal comes in short, request a reconsideration of value with up to three better comparable sales. Fill it in on screen and send it back.
Download →Which forms do I need?
- Every loan: Personal Financial Statement & SREO, and the Experience Worksheet.
- Fix and flip or ground-up: add the Scope of Work & Budget.
- Bridge or DSCR: the two every-loan forms plus a lease or rent estimate.
- Only if the appraisal is low: the Reconsideration Request.
Also have ready
- Purchase contract, or payoff and deed for a refinance
- LLC articles, operating agreement and EIN letter
- Two most recent bank statements
- Government ID for each guarantor
- Settlement statements or deeds for past deals
Easy Lending USA is not a lender, a bank, or a mortgage broker. These forms help an independent private lender evaluate a business-purpose loan; the lender makes every credit decision. We never charge a fee to submit a deal. Your information is handled under our privacy policy.