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FED FUNDS 3.62% UNCHSOFR 3.60% +0.01PRIME 6.75% UNCH10Y UST 4.49% +0.0230Y MTG 6.52% +0.0415Y MTG 5.84% +0.05CASE-SHILLER HPI YoY 0.80% −0.10AS OF JUN 14, 2026 FED FUNDS 3.62% UNCHSOFR 3.60% +0.01PRIME 6.75% UNCH10Y UST 4.49% +0.0230Y MTG 6.52% +0.0415Y MTG 5.84% +0.05CASE-SHILLER HPI YoY 0.80% −0.10AS OF JUN 14, 2026
Home Funding Verdict Partner FAQ Contact
Lending Partner Network

Quiet network.
Real deals — Joint Ventures.

We're building a small bench of private lending partners for select future deals. Not a marketplace. Not a pitch. Just a short list of people we'd actually call when the right deal lands.

Apply to be a Partner↓ 60-SEC INTAKE See how it works
Model
JV/deal
Per-deal partnership
Verdict screen
15/15
Hard-fail gates pass
Score floor
≥ 80
Pass-grade only
Bench size
Small
By design · not a marketplace

Capital, on screened math.

Most lenders see deals other lenders already passed on. We flip that — our partners see screened deals first, or not at all.

// THE USUAL NOISE
  • דTrust me, comps are tight” — no math attached
  • ×Blasted to 200 lenders — you race the clock
  • ×No stress tests, no skin-in-the-game floor
// DEALCAP USA SIGNAL
  • ✓Every deal arrives with a PASS verdict + open math
  • ✓Matched 1-to-few, never blasted to hundreds
  • ✓15 hard-fail gates + 5 stress scenarios, every time

What we check before a deal reaches you.

Five stages. Fifteen gates. Plain English.

01

Value

Is the price right against the property?

4 GATES
  • LTARV ≤ 75%loan vs after-repair value
  • LTC ≤ 90%loan vs total cost
  • LTV ≤ 80%loan vs current value
  • CLTV ≤ 85%combined w/ junior debt
02

Income

Does the cash flow actually carry?

3 GATES
  • DSCR ≥ 1.25×industry floor on rentals
  • Hold fundedinterest reserve covers carry
  • PITIA modeledtaxes + insurance baked in
03

Operator

Does the borrower have skin in the game?

2 GATES
  • Capital ≥ 10%skin-in-the-game floor
  • Title clearno liens, operator-attested
04

Deal

Is the project realistic from buy to exit?

4 GATES
  • Margin ≥ 12%after all costs + carry
  • Rehab realistic$/sqft sanity check
  • Exit modeledflip · refi · hold
  • Comps ≤ 90dstale comps flagged
05

Stress

What happens when reality bites?

2 GATES
  • Recovery mathforeclosure timeline by state
  • 5 scenarios±5% sensitivity + downside
Every deal passes VERDICT first. 15 hard-fail gates, score ≥ 80, 5 stress scenarios. If a deal doesn't clear — it doesn't reach you.
Pre-screen, not pre-approval. Our PASS verdict is a quality bar — not a guarantee of loan performance. Final underwriting is yours.
Apply & Join the bench

Get on the call list
for future deals.

Sixty seconds. No login. No drip emails. We only ping you when a PASS-grade deal matches your funding box.

A note from the founder

If you fund real estate, your time is the asset — not your inbox.

I built DealCap USA for the operators, lenders, and capital partners who are tired of chasing half-baked deals, inflated numbers, and opportunities that fall apart the moment real underwriting begins.

So we built a better filter.

Before a deal reaches you, it goes through VERDICT — our open-math underwriting tool designed to separate clean opportunities from bad ones before they waste your time.

You tell us what you fund. We bring you what fits.

No drip campaigns. No broker noise. No recycled spreadsheets.

Just real deals, real numbers, and a cleaner path between qualified operators and the capital built to close.

— Jacob D., Founder · DealCap USA

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