Private Lending Process: ARVs, Draw Structures, & Why Transparency Wins Deals

Week 2 of KÉCŌ Live is here — and we're going deep on what it actually takes to get a deal funded in today's private lending market.KÉCŌ Capital's loan originators — Kain, John, and Keli'i — break down the private lending process and real conversations happening behind the scenes: why your ARV can get wrecked the day before appraisal, how construction draws actually work (and what 75% reimbursement really means), and why the title company you choose can make or break your closing.In this episodeInvestor Tip / Learning Lessons — A real comp story from Atlanta, the right title company for private deals, and draw structures explained (pro-rata vs. upfront deductible)Market Update — Lumber costs up 5.6% YoY, contingency requirements jumping from 5% → 10%, and what the Philadelphia & Baltimore fraud scandal means for lenders nationwidePrivate Lending Process (Full Overview) — Loan request → full package → appraisal → underwriting → close. What every borrower needs to know, regardless of the lenderNew Investors — Can you qualify with no track record? Do you need a GC? We answer it straightLTC ≠ LTC — Why the same term means something totally different depending on your lender, and how to read a term sheet correctlyLive Q&A — DSCR loans, seasoning requirements, Hawaii rates, and moreEpisode timestamps00:00 Welcome and Goals01:46 Comps and ARV Surprises03:32 Title and Insurance Pitfalls05:29 Construction Draw Basics09:22 Understanding Loan Terms11:10 Transparency and Fraud Fallout14:31 DSCR Loans Q&A17:04 Market Costs and Contingency20:38 Private Lending Process25:58 New Investors and GCs36:18 Closing Thoughts and CommunityConnect 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.