How to Be Loan-Ready: Breaking Down Docs You Need to Close a Private Lending Deal Fast

If you've ever had a deal delayed, kicked back, or killed by missing paperwork, this episode is for you.Week 4 of KÉCŌ Live and we're getting into the stuff nobody talks about on stage — but that makes or breaks every deal. This week is all about being loan-ready: every document, every checklist, every detail that underwriting is looking for before they'll approve your file.In this episodeLearning Lessons — Why DSCR ratios need a buffer built in and how immigration enforcement is doubling holding costs for investorsFull Doc Breakdown (Step by Step) — Purchase contracts, loan applications, disclosures, track record/SREO, scope of work, entity docs, plans & permits, ID, bank statements, title & insurance POC — what underwriting checks, what gets deals kicked back, and how to avoid itGround-Up Construction for New Investors — A new program that lets you leverage your GC's experience to qualify, what documents you need from your contractor, and why this could be a game-changer for experienced GCs who want to build their own portfolioCondo-Specific Requirements — HOA docs, owner-occupancy ratios, master insurance policies, condo questionnairesProcessing Team Q&A — KECO's own processing team (Shiena, Irish, & Nica) break down the most common track record mistakes that delay files and what to do about themLive Q&A — What is QM vs. non-QM? Do all entity owners need to sign? Why did a DSCR loan take 8 months? Document Checklist PDFEpisode timestamps00:00 Welcome and Agenda02:36 Weekly Learning Lessons06:11 Purchase Contract07:59 Loan App09:15 Disclosures12:18 Track Record17:34 Scope of Work18:52 Rehab Overview23:06 Plans & Permits 26:51 Entity Docs29:47 GC Docs34:45 Other Required Docs36:29 Condo Specific43:07 Q&AConnect with KÉCŌJoin us live every Friday - Get the Call LinkFollow on Instagram - @keco.liveEverything KÉCŌ - Explore More Herewww.KECOCAPITAL.comKÉCŌ Capital is a private lender specializing in fix-and-flip, bridge, ground-up construction, and DSCR loans for real estate investors nationwide. New episodes of KÉCŌ Live drop weekly. Subscribe wherever you listen so you never miss one.