Hello friends! How do I find out the fees/rates for the DSCR and Hard Money loans? My borrower is asking. Thank you!

Hello friends! I have someone that wants to do a Morby Method. He has a property (not under contract yet) and the seller and realtor are ready to deal. They are open to seller finance. I want to make sure this is even a deal before submitting but I'm not sure what process you want me to use for underwriting. I know the underwriting is different for purchase vs lending. Does anyone have a creative underwriting calculator I can use? The borrower is asking about my fee for the Transactional Lending but I would like to get him to apply for the DSCR loan with us as well. Please help me with the steps I need to follow to get this to the finish line! Thank you so much!

As part of the update we moved from two to three tiers. Here is what that means in plain ... Utah English. 🥉 Standard — Free Access to the Start Here block. This is your orientation. Get set up, learn how the community works, and see what we are all about. 🥈 Premium — $17/month Everything in Standard, plus the full education. That is the 🤔 Know the Game, 🚦Go Get Deals, and 📚 The Library. This is where you learn transactional funding and how to go find and fund deals. 🥇 VIP — $97/month Everything in Premium, plus the tools that build this as a business. The 🏗️ Deal Machine, your own branded white label site (transactional + primary) with the automated nurturing campaign, ⚡ Run It Up with the full Morby & Echo education plus playbooks, and 🔁 The Replays with every recorded live call. One quick note on the names 📝 Standard, Premium, and VIP are the tier names Skool gives us, and we cannot change them. We are keeping the names Skool uses so everything stays consistent, but we know the shift can feel a little confusing at first. That is exactly why this post is here. What this means for you 👇 If you were a Standard member, you stay right where you are, free. Your access is limited to the Start Here block until you upgrade to either Premium or VIP, and then the rest opens up. If you were a Premium member, you have already been moved to VIP to line up with the new structure. You keep the Deal Machine and everything you already had, and you do not need to do a thing. And here is the promise we keep for everyone. Whatever price you are at, that is your price for as long as you renew. Lock in a rate and it stays yours. 🔒 Questions about where you land or what to do next? Drop them below and we will get you sorted. 👇

I've got an investor with a paid-off 9-plex (commercial-zoned), fully rented, ~$5,400/mo gross, 750+ credit, historical rents available. He wants to pull out ~$300K (cash-out refi / DSCR). The snag: he's trying to avoid a full interior appraisal — the building's fully rented so tenant coordination is a headache, plus the ~$2K cost. Two questions: 1. At ~$300K on a commercial-zoned small MF, is a full appraisal always required, or will some lenders accept a desktop / AVM / exterior-only valuation? 2. Anyone have a DSCR or bridge lender that's flexible on valuation for this profile? 3. Appreciate any lender names or pointers. 🙏

Sort of a note to self ... I have fallen ill. Too much transactional excitement. Some of the latest chats before I got too under the weather to concentrate: A gal with a 2 for 1 seller finance opportunity but can't do the deal on her own. A realtor/investor weighing options on a large lot with 3 units, room for a 4th, $1M estimated value. A few others attempting to buy or partner on distressed assets, 2 single and 1 commercial. They're a bit more off target than I need ... but it all adds up and I'll maintain discipline. But I tend say hi to the turtles and the rays and the eels ... like Dory 🤪