Standard Program · Fix & Flip · Ground-Up · Bridge
Term Sheet Studio™
A clear, signable term sheet — structure, pricing and cash to close — in about a minute.
Skip the wait. Enter the deal — purchase, construction, values and the interest reserve you want — and get a polished YS Capital term sheet you can download and sign: full loan structure, fees, estimated cash to close, the liquidity you'll need, and your eligibility snapshot. Most lenders take a business day; this takes a minute.
⚡ Instant🔒 No credit pull✍️ Nothing to sign
Fill the deal in — your term sheet builds on the right as you type.
Indicative term sheetLive
Standard—
Loan amount
$0
—
note rateiYour interest rate on the loan. It’s charged interest-only during the term — you pay interest each month, not principal.
$0
origination · 1.25 ptsiThe lender’s fee at closing. “1 point” = 1% of the loan amount.
Enter price, budget & ARV to begin
View full details →
Gold Standard—
Loan amount
$0
—
note rateiYour interest rate on the loan. It’s charged interest-only during the term — you pay interest each month, not principal.
$0
origination · 1.25 ptsiThe lender’s fee at closing. “1 point” = 1% of the loan amount.
—
View full details →
Save your work to Excel and re-import it anytime — even before the deal is complete. This saves the data you’ve entered; the priced terms fill in once the required fields are complete.
Tap a program above to see its full structure, leverage, fees and term sheet.
Leverage —
Less leverage lower rateMax leverage
Enter price, budget & ARV to begin
LTC —iLoan-to-Cost — your loan divided by the total project cost (purchase + rehab). One of the two limits that sizes the loan.LTV —iLoan-to-Value — your loan divided by the property’s current as-is value.ARV —iLoan-to-ARV — your loan divided by the after-repair value. The final loan is always the lesser of the cost-based and ARV-based limits.
Standard Program — full breakdown
⚑ Manually underwritten — pricing and leverage set on an admin-defined basis, not the program's automated matrix.
Eligibility
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Program maximum leverage — from FICO & experience
Max loan-to-cost
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Max as-is (initial)
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Max loan-to-ARV
—
Max loan amount
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Loan structure
Purchase price$0
Construction / rehab budget$0
Financed interest reserveiInterest payments rolled into the loan so the project pays its own carrying cost during the term. You don’t bring this to closing.—
Total project costiPurchase price plus the full rehab budget (plus any financed reserve). Your loan-to-cost is measured against this number.$0
Initial advance (at closing)iThe part of the loan released at closing to help you buy the property. The rest of the loan is the construction holdback.$0
Construction holdback (= rehab, in draws)iYour renovation funds, held by the lender and released in stages (“draws”) as each phase of work is finished and inspected — not handed over up front.$0
Total loan amount$0
Pricing & payments — interest-only
Note rate—
Initial payment — on the initial advance$0/mo
Full payment — after all rehab drawsMonthly payment$0/mo
Loan term12 mo
How this loan amount is built
Your maximum is the lesser of four limits — the tightest one wins:
Initial advance — up to your max as-is % of the lower of purchase price or as-is value.
Rehab — 100% financed, released in draws as work is verified and reimbursed after completion.
Loan-to-cost — total can't exceed your max LTC of purchase + rehab.
Loan-to-ARV — total can't exceed your max % of the after-repair value.
Estimated fees & cash to close
Origination (1.25%)$0
UW / processing / legal$2,195
Credit report$150
Appraisal (est.)$800 POC
Title / escrow (est.)iA rough estimate only, used to approximate your cash to close — your actual title cost depends on your title vendor. It scales with the loan amount, your state and the transaction type (transfer and mortgage taxes are separate).—
Down paymentiThe part of the purchase price the loan doesn’t cover — your cash in the deal, or “skin in the game.”$0
Estimated cash to closeiWhat you actually bring to the closing table — your down payment plus closing fees, including the estimated title and escrow charge.$0
Estimated liquidity to showiCash reserves you need to show you have on hand to carry the project. This is demonstrated, not money brought to closing.$0
The title / escrow figure is a rough estimate only — your actual cost depends on your title vendor — included here to approximate your cash to close. It scales with the loan amount, your state and the transaction type; transfer and mortgage taxes are separate. Appraisal is POC (paid outside closing). Liquidity to show ≈ cash to close plus 2 months of interest — a reserve you demonstrate, not funds brought to closing.
Eligibility snapshot
Experience tier—
Estimated FICO—
No login, no credit pull — we'll send a copy and a real person will follow up.
Questions on these numbers? Talk to a real person.
Indicative only. This is not a commitment, approval, pre-approval, rate lock, or guarantee to lend and creates no obligation. All amounts, rates, leverage and fees are preliminary and subject to a complete application, underwriting, appraisal, title, insurance and final credit approval. Business / investment-purpose financing only (non-owner-occupied) — not consumer credit; a personal guaranty and first-lien position are required. Not valid until accepted in writing by the borrower and countersigned by an authorized representative of YS Capital Group.
