If you’ve ever wondered, “But how do I know this deal is legit?”, this one’s for you.
At Fluent Capital, we don’t just throw investor money at anything. Every single mortgage deal goes through a multi-step vetting process before your capital ever enters the picture.
Here’s what we look at, in plain terms:
1. The Property
We assess the real estate that backs the loan.
Is it in a stable market? What’s the value? We use third-party appraisals to get an unbiased view.
2. The Borrower
We’re not lending to first-timers or guessers.
We work with experienced real estate investors and business owners, people with proven track records and clear plans.
3. The Numbers
We analyze the loan-to-value ratio (LTV), typically 75% or less, which gives your investment a healthy buffer if anything shifts.
4. The Exit Strategy
How does the borrower plan to pay the loan back? Is it tied to a property sale, a refinance, or business revenue? We don’t proceed unless the path is clear.
5. The Timeline
Most loans are short term, under 18 months, which means your capital isn’t locked up forever.
We also look at legal structure, insurance coverage, risk factors, and more. Our goal is to make sure that every deal is worthy of your trust, and ours.
We wouldn’t fund a deal we wouldn’t put our own money into.
So while it might feel new, you’re not flying blind. You’re backed by real diligence and real property.
Want to see a sample deal breakdown?
We’d love to walk you through one.