What you'll need to apply for a private loan.
Personal Documents
| Document | Required For |
|---|
| Government ID | All loans |
| Tax Returns (2 years) | Bank statement loans, large loans |
| Bank Statements (2-3 months) | Asset verification |
| Pay Stubs | W-2 loans only |
| Credit Report Authorization | All loans |
Entity Documents
| Document | Required For |
|---|
| Articles of Organization | LLC borrowers |
| Operating Agreement | LLC borrowers |
| EIN Letter | Entity borrowers |
| Certificate of Good Standing | Some lenders |
Property Documents
| Document | Required For |
|---|
| Purchase Agreement | Purchases |
| Title Report | All loans |
| Property Insurance | All loans |
| Appraisal | Most loans (ordered by lender) |
| Rent Roll | DSCR, rental properties |
| Lease Agreements | DSCR, rental properties |
Additional for Construction
| Document | Required For |
|---|
| Architectural Plans | Ground-up, major rehab |
| Detailed Budget | All construction |
| Permits | Ground-up |
| Contractor License | Ground-up |
| Draw Schedule | All construction |
Tips
- Start gathering early - Don't wait until you find a property
- Use the Vault - Upload to MoneyMatcher Vault for easy sharing
- Keep copies - Have digital and physical copies ready
- Stay current - Bank statements should be recent (< 60 days)
Let Cortex Help
Our Cortex AI can:
- Auto-categorize your uploaded documents
- Extract data and auto-fill applications
- Flag missing required items
- Create packages for lenders
Open Your Vault →