Configure Your Buy Box
Tell us exactly what deals you want. Our matching engine sends only what fits.
What is a Buy Box?
Your "buy box" defines the loans you want to fund:
- Loan types and programs
- Amount ranges
- Geographic coverage
- Credit requirements
- Property types
- Borrower criteria
Result: You only see deals that match your criteria.
Setting Up Your Buy Box
Step 1: Loan Programs
Select the programs you offer:
| Program | Description |
|---|---|
| DSCR | Rental property loans, qualify on property income |
| Fix & Flip | Short-term renovation financing |
| Bridge | Temporary financing between transactions |
| Construction | Ground-up and major renovation |
| Hard Money | Asset-based, quick close |
| Commercial | Business purpose, commercial properties |
| Conventional | Agency-eligible residential |
| Jumbo | High-balance residential |
Step 2: Loan Parameters
For each program, specify:
| Parameter | Your Settings |
|---|---|
| Minimum loan amount | $___ |
| Maximum loan amount | $___ |
| Maximum LTV | ___% |
| Maximum LTC (construction) | ___% |
| Minimum credit score | ___ |
| Rate range | ___% - ___% |
| Points | - |
Step 3: Geographic Coverage
Select states where you're licensed and active:
- All 50 states
- Specific states (select below)
State-specific settings:
- Some states may have different parameters
- Note any license restrictions
Step 4: Property Types
| Property Type | Included? |
|---|---|
| Single Family Residence | ☐ |
| 2-4 Unit | ☐ |
| Multifamily (5+) | ☐ |
| Condo | ☐ |
| Townhome | ☐ |
| Commercial | ☐ |
| Mixed Use | ☐ |
| Land | ☐ |
Step 5: Borrower Criteria
| Criteria | Your Settings |
|---|---|
| Entity types | LLC, Corp, Trust, Individual |
| Foreign nationals | Yes / No |
| First-time investors | Yes / No |
| Minimum experience | ___ deals |
| Bankruptcy seasoning | ___ years |
| Foreclosure seasoning | ___ years |
Advanced Buy Box Settings
Deal Size Preferences
Sweet spot: Where you're most competitive
| Range | Priority |
|---|---|
| Under $250K | Low / Medium / High |
| $250K - $500K | Low / Medium / High |
| $500K - $1M | Low / Medium / High |
| $1M - $3M | Low / Medium / High |
| $3M+ | Low / Medium / High |
Scenario Preferences
| Scenario | Accept? | Notes |
|---|---|---|
| Cash-out refinance | Yes / No | Max cash-out: $___ |
| Recently acquired | Yes / No | Min hold time: ___ |
| Non-owner occupied | Yes / No | |
| Rural properties | Yes / No | Min population: ___ |
| Vacation rentals | Yes / No | STR allowed? |
Document Preferences
| Document Type | Preference |
|---|---|
| Bank statements | 12 mo / 24 mo / Either |
| Tax returns | Required / Not required |
| Appraisal | Your vendor / Borrower orders |
| Title | Your vendor / Borrower orders |
Matching Algorithm
How We Match Deals to Lenders
- Deal submitted with all criteria
- Algorithm filters against all lender buy boxes
- Matching lenders receive notification
- Lenders quote their terms
- Best matches presented to borrower
Matching Priority
Deals are prioritized to lenders based on:
- Exact match to all criteria = High priority
- Partial match = Medium priority
- Edge cases = Low priority (optional)
Edge Case Handling
Configure how to handle deals near your limits:
| Setting | Description |
|---|---|
| Strict | Only exact matches |
| Flexible | Within 10% of limits |
| Manual review | Flag for manual decision |
Multiple Buy Boxes
Why Multiple Buy Boxes?
Different teams or products may have different criteria:
Example: National DSCR Lender
Buy Box 1: Standard DSCR
- $150K - $2M
- 75% LTV
- 680+ credit
- All 50 states
Buy Box 2: Jumbo DSCR
- $2M - $5M
- 70% LTV
- 720+ credit
- Select states only
Buy Box 3: Fix & Flip
- $100K - $1.5M
- 70% ARV
- 660+ credit
- 20 states
Managing Multiple Buy Boxes
- Name each buy box clearly
- Assign to specific team/AE
- Set priority order
- Enable/disable as needed
Buy Box Analytics
Performance Metrics
Track how your buy box is performing:
| Metric | Description |
|---|---|
| Deals received | Total matches sent to you |
| Quote rate | % of deals you quoted |
| Win rate | % of quotes that funded |
| Avg deal size | Average loan amount |
| Response time | Time to quote |
Optimization Suggestions
Our system suggests buy box adjustments:
- "You're missing 15 deals/month by excluding Texas"
- "Expanding to $3M would add 8 qualified deals/month"
- "Your 700 credit floor is above market - consider 680"
Best Practices
Be Specific
Vague criteria = wasted time reviewing bad matches.
Stay Current
Update when guidelines or appetite changes.
Use Sweet Spots
Prioritize where you're most competitive.
Check Analytics
Let data guide your adjustments.
Communicate Changes
Update your MoneyMatcher rep on major shifts.
Managing Your Buy Box
Dashboard Access
Log in to configure anytime:
- Navigate to Settings → Buy Box
- Make changes
- Save and confirm
Change Frequency
- Real-time: Changes apply immediately
- No penalty: Adjust as often as needed
- Version history: See previous configurations
Temporary Adjustments
Pause deal flow temporarily:
- Holiday closures
- Capacity constraints
- Guideline updates
Getting Started
Step 1: Log In to Lender Portal
Step 2: Navigate to Buy Box Settings
Settings → Buy Box Configuration
Step 3: Complete Your Profile
Fill in all criteria across programs
Step 4: Review Matches
Start receiving deals within 24 hours
Need Help?
Email: lenders@moneymatcher.io
Phone: (888) 555-RATE ext. 3
Our team can help configure your buy box for optimal matching.