Frequently asked questions.

DealCap USA is real-estate capital infrastructure — the operating layer between operators with deals and capital ready to close them.

We give Fix & Flip operators a free deal check through VERDICT, and route funding requests to independent capital partners. The deal result and possible funding fit are separate; neither is loan approval.

Because we do the work most platforms won't.

• Free underwriting that shows its work. Math Trail shows costs, profit, official storm results, and score adjustments. Entered figures still need verification.
• Clear next steps. SOLID, LOOKS GOOD, DECENT, REVIEW CAREFULLY, CAUTION, or More Info Needed, with reasons. A complete deal can need work without having missing inputs.
• Funding review. We route requests to independent capital partners, who set terms and make approval decisions.
• Operator-first framing. Built by an operator, for operators.

A possible fit is a starting point, not funding approval.

Real-estate operators who need serious underwriting and short-term capital to get deals to the closing table:

• Wholesalers running EMD, double closes, and assignment structures
• Flippers needing hard money, EMD funding, or a quick underwriting sanity check
• Buy-and-hold investors seeking rental-property financing
• Creative-finance buyers structuring seller-carry (Stack) and double-close (Echo) transactions

If you're brand new, VERDICT is a fair place to learn what a real deal looks like. If you're seasoned, it's a fast second opinion.

DealCap USA is not a lender or a licensed real estate brokerage. We provide VERDICT and route funding requests to independent capital partners.

Those partners decide eligibility, terms, and approval. A VERDICT score or potential match is not a commitment to fund.

Two paths depending on where you are:

• Have a funding need? Head to the Funding page to explore the available services and their intake forms.
• Want to check a flip first? Run it through VERDICT. Funding answers may support an EMD, STACK, or Hard Money possibility. Funding fit is separate from the deal score.

For everything else: hello@dealcapusa.com.

DealCap USA routes requests for these services to independent funding partners:

• EMD — Earnest money deposit funding for wholesalers and flippers who need to bind a contract quickly. Two structures: 5% up + 20% at close, or 10% up with $0 at close.
• Double Close: Back-to-back purchase and resale funding, with requests up to $100M+ subject to provider review. Base pricing is 1.25% up to $1M; larger requests use case-by-case tiered pricing.
• Echo — Down-payment funding for the back half of a double close. Echo funds the down payment, you repay the same day on the HUD. Fee is 2.5% of the down-payment funded, minimum $2,500.
• STACK: Senior financing plus seller carry. The seller agrees to receive part of the price later. Amounts up to $1M, case-by-case above; base fee 2.5% of the funded amount, minimum $2,500. Seller terms and senior-lender permission for subordinate debt and third-party funds must be verified. This is not subject-to funding, and buyer cash may still be needed.
• Hard Money and DSCR: Financing through independent lenders. Terms and pricing vary by lender and deal.

Plus Proof of Funds letters (free) and Verification of Funds (paid). See the Funding page for product details and listed fees. Confirm all charges and terms with the provider; funding is not guaranteed.

Yes, and yes.

• Proof of Funds (PoF) letter — Free. Up to 5 per day. Issued same-day. Good for making offers, showing sellers, and getting past the "prove it" phase.
• Verification of Funds (VoF) — Paid, around 1%. This is actual moved money or account statements, not a letter. Used when the seller, listing agent, or platform requires proof that funds are real and in place.

The distinction matters. A PoF is a signed statement of capital support. A VoF uses real capital, which is why it's priced.

Transactional funding helps cover a specific part of a real estate deal. Double Close and ECHO use same-day closing structures.

EMD, STACK, Hard Money, and DSCR each have their own repayment terms, timelines, and fees.

Terms depend on the product and the funding partner's review. Funding is not guaranteed.

Depends on the lane and how clean the file is:

• EMD, Double Close, Echo — Same day when the file is complete
• Stack — Typically 1–2 days
• PoF letters — Same day, usually within hours

Speed is a function of readiness. The checklists on each Funding lane show what accelerates a decision — bring what you have and your funding partner will help fill any gaps.

Start with what you have. The core:

• Contact and entity info
• Property address and basic deal details
• The contract, if it exists

Each funding lane on the Funding page has a checklist showing what's ideal (executable PSA, title company, transaction coordinator, and so on). Not every box needs to be checked to submit. If you have a deal and some of the pieces, submit it — your funding partner will work with you along the way to complete anything missing.

VERDICT is DealCap USA's free tool for operators who buy, fix, and sell homes. It currently checks Fix & Flip deals only.

It checks the numbers you enter and tests added costs, delays, and a lower sale price. Your result is SOLID, LOOKS GOOD, DECENT, REVIEW CAREFULLY, CAUTION, or More Info Needed.

VERDICT does not verify property values or repair estimates. A result is not loan approval or guaranteed funding. DealCap USA funding options are assessed separately.

Really free. No trial. No card. No forced funnel.

Use VERDICT to underwrite your deals for your own use — bring the results to your own lender, your own partner, your own decision. You don't owe us anything for using it.

If your funding answers support a potential product fit, you can submit for review. That is separate from VERDICT’s deal decision and is not loan approval. You are never obligated to submit.

Live and public-ready:

• Fix & Flip — full engine with resilience-first scoring, Storm Lab stress tests, and lane-specific insights

VERDICT currently serves operators using Fix & Flip only. Have an idea? Use the strategy-request poll and its free-text option. A request is not a promise to build; we may contact you if we build it.

VERDICT uses fixed formulas and an official scored storm. Recorded regression tests check repeated results and that protected math stays unchanged. Those tests do not prove that a property will sell at your price or earn the forecast profit.

VERDICT shows Fix & Flip costs, profit, return, offer references, and the official scored storm. Math Trail shows how each number was made. Offer references are not verified passing prices.

Honest limitation: VERDICT is a decision-support tool, not investment advice. It reflects the numbers you enter and the assumptions the engine applies. It doesn't visit the property, verify comps, or confirm your rehab bid. The best deal analysis still requires your eyes on the ground.

VERDICT calculates in your browser and may retain deal state on your device. Access, support, strategy requests, and funding forms send the information you submit; the website may also collect usage information.

When you request funding, DealCap USA shares relevant contact and deal details with independent capital partners for review. Service providers and other disclosures described in our Privacy Policy may also apply. We do not sell your personal information.

Full details are on our Privacy page.

DEALDEX helps DealCap USA meet business owners who serve real estate. Tell us what you do, where you work, and how to reach you. Right now, it is about starting business relationships, not browsing a directory or marketplace.

Yes. If your business serves real estate, use the DEALDEX introduction form. Add your name, business, service, service area, and email. A website or social profile and a message are optional.

Introduce your business through DEALDEX.

DealCap USA receives your introduction for review and may contact you. Sending it does not create a public listing or guarantee a referral, partnership, or response time.