Apply — One Orbit Lending

1

Your Information

Borrower contact details

First Name

Last Name

Email Address

Phone Number

Business / LLC Name

Do you have a U.S. credit score?

Foreign nationals often don't have U.S. credit — we still have options.

Estimated FICO Score

Enter your middle score. Won't affect your application.

2

Loan Request

Select your loan type to see relevant fields

Loan Type

✓

Exit Strategy

Estimated Closing Date

3

Property Information

Subject property details

Subject Property Address

Enter the address of the investment property this loan is for — not your home or mailing address.

City

State

Zip

Property Type

Number of Units

Rural Property?

Flood Zone?

4

Deal Financials

Property values & transaction details

Do you own the land?

Do you already own this property?

Purchase Price

Estimated As-Is Value

Current market value of the property in its present condition.

Estimated As-Is Lot Value

Current estimated value of the land/lot only.

Lot Acreage

Total size of the lot.

Estimated Rehab / Construction Cost

Estimated ARV (After Repair Value)

Requested Loan Amount

Or

LTV %

Loan amount as a % of the base value.

When Did You Purchase the Property?

How Much Did You Purchase the Property For?

How Much Were the Renovations / Construction Costs?

Amount of Mortgage Owed / Payoff Amount

When Does Your Current Loan Mature?

The maturity / balloon date on your current note.

Current Monthly Mortgage Payment

Do you have a Soil/Perc Test or an Approved Septic Permit?

Needed to design and approve the septic system for the manufactured home.

Are you subdividing the land?

Has the Property been Listed on the Market in the last 6–12 months?

Brief Description of Rehab

5

Rental Income & Expenses

Used to calculate DSCR

Long-Term Monthly Rent (actual or estimated)

Always enter the long-term (12-month lease) rent. If the property is vacant, run as a short-term rental (STR), or you have any other exit strategy, enter your best estimate of long-term market rent — that's what we use to calculate DSCR.

Property Taxes

Insurance

HOA

Enter 0 if none.

Rental Strategy

Current Occupancy

6

About You

Borrower background & qualifications

Borrower Experience (in the last 36 months)

Flips Completed

Rentals Owned

New Constructions

Land Home Packages

Borrower's Liquidity

Total cash and liquid assets available.

Citizenship

Marriage Status

Do you have any mortgage lates on ANY properties that you own in last 12 months?

Do you have any possible tax liens, bankruptcy, or foreclosure in last 24 months?

7

Final Details

A few last questions

Who Referred You?

How Did You Hear About Us?

Additional Notes or Questions

* By submitting this form I consent to be contacted by phone, text, and email regarding my loan inquiry. I understand this is not a loan commitment. Message & data rates may apply.