Borrower Requirements
Everything you need to qualify for Chayton Private Capital funding programs — the financial criteria we look for and the documentation that keeps your file moving fast.
Financial Criteria
660+
Credit Score
Minimum mid-score of 660 for most programs; 700+ preferred for best terms.
10–20% Down
Liquidity
Sufficient liquid reserves to cover down payment, closing costs, and 6 months of reserves.
2+ Deals
Experience
Demonstrated track record with at least 2 completed projects of similar scope (for fix/flip & new construction).
LLC / Trust
Entity
Borrowing entity (LLC, Trust, or Partnership) formed and in good standing in the property state.
Required Documentation (All Borrowers)
Program-Specific Documentation
- Signed purchase contract
- Scope of work & rehab budget
- Comparable sales / ARV support
- Contractor bid or estimate
- Before photos
- Signed purchase contract
- Rent roll or lease (if occupied)
- Operating expense breakdown (taxes, insurance, HOA)
- DSCR worksheet / market rent analysis
- Approved plans & permits
- Construction budget & draw schedule
- Contractor agreement / GC license
- Appraisal or as-completed value
- Rent roll for all properties
- Operating statements (2 yrs)
- Encumbrance / payoff statements
- Title for each property
Application Process
Submit Application
Complete the online application with property and deal details.
Upload Documents
Provide the required documentation listed above.
Underwriting
Our team reviews your file and issues a term sheet, typically within 48 hours.
Close & Fund
Clear to close, sign, and fund — often within 7–10 business days.