Terms of Service
[LEGAL ENTITY TBD] placeholders and have a licensed attorney review before relying on this in any dispute. The state-of-governing-law section is set to California by default; change if you incorporate in another state.
1. Agreement
These Terms of Service ("Terms") are a binding agreement between you and Jacob De Soto d/b/a DealCap USA [LEGAL ENTITY TBD: will be updated to the registered LLC once formed] ("DealCap USA," "we," "us," "our"). By using dealcapusa.com, the Verdict Underwriter tool, the contact-support form, or any deal-submission form (collectively, the "Services"), you agree to these Terms. If you do not agree, do not use the Services.
2. What DealCap USA is — and what it is not
DealCap USA operates a three-flow capital platform:
- Funding intake — we market transactional-funding lanes (double closes, EMD funding, seller carry-backs, Echo-style down payments, hard money, proof of funds, and similar real-estate financing structures) and forward submitted deals to our capital partner for underwriting.
- Verdict Underwriter — a free, client-side educational screening tool for operators and lenders.
- Partner Network — we connect screened deals to a vetted network of private lenders and JV partners. DealCap USA does not act as a broker or place loans on behalf of these partners; we forward matched deal information for the partner's independent evaluation.
DealCap USA is not:
- A lender. We do not originate, issue, or service loans.
- A broker, real-estate agent, financial advisor, tax advisor, or attorney.
- A title company, escrow agent, or settlement service.
All transactional-funding services described on this site are provided by our capital partner, Real Quick Funds, which is a separate legal entity with its own underwriting criteria, loan documents, and compliance practices. Private lenders and JV partners in the Partner Network are independent third parties operating under their own terms.
3. The Verdict Underwriter tool
Verdict Underwriter is a free educational pre-screen, not pre-approval tool. It runs entirely in your browser — no account, no email, and no card are required, and inputs you type are not transmitted to or stored by DealCap USA. It uses the same standard real-estate underwriting formulas the industry uses (70% rule, PITIA DSCR, NOI/Cap, COC ROI, and similar conventions) to produce a pass/fail indication and a numeric score based on the inputs you provide.
The tool offers two entry points:
- Operator side ("I Buy Deals") — underwrite the deal across 12 lanes plus stress tests.
- Lender side ("I Fund Deals") — underwrite the loan, with personas for private money lenders (PML) and JV partners.
Verdict Underwriter results are estimates only. They are:
- Not a loan offer, commitment, or pre-approval.
- Not a guarantee that any lender will fund a deal at any specific price, rate, or term.
- Not a substitute for professional underwriting, appraisal, inspection, title review, or legal advice.
Stress tests, lane verdicts, and any score (including the score ≥ 80 funding-gate threshold) are illustrative outputs based on your inputs. Final underwriting may differ materially from any Verdict result. You are responsible for verifying every number before you sign any contract or wire any funds.
4. Submitting a deal and applying to the Partner Network
4a. Submitting a deal
When you submit a deal through any of our forms, you represent and warrant that:
- You are at least 18 years old and have the legal authority to enter into transactions on your own behalf or on behalf of the entity you represent.
- The information you submit is true, accurate, and complete to the best of your knowledge.
- You have the legal right to share any property information, contracts, settlement statements, or other documents you upload.
- You understand that DealCap USA may forward your submission to Real Quick Funds for transactional-funding underwriting, and/or to one or more Partner Network members for independent evaluation, and that any funding decision will be made by that party in its sole discretion.
Submitting a deal does not create a lending, brokerage, fiduciary, or agency relationship between you and DealCap USA, and does not obligate DealCap USA, Real Quick Funds, or any Partner Network member to fund any deal.
4b. Applying to the Partner Network
If you apply to join the DealCap USA Partner Network as a private lender or JV partner, you represent and warrant that:
- You are a legitimate private lender, accredited investor, or otherwise legally qualified under applicable securities and lending laws to evaluate and fund the types of deals you indicate.
- You have the authority to commit capital you describe, on your own behalf or on behalf of the entity you represent.
- You understand that DealCap USA does not broker loans, does not place capital, and does not vouch for any specific deal. DealCap USA forwards matched deal information; you remain solely responsible for your own underwriting, due diligence, KYC, AML, and legal compliance on every deal you choose to evaluate or fund.
- The information you submit in your application is true, accurate, and complete, and you will notify DealCap USA promptly if it materially changes.
Acceptance into the Partner Network is at DealCap USA's discretion and may be revoked at any time. Partner Network membership does not create a partnership, joint venture, brokerage, or fiduciary relationship between you and DealCap USA.
5. Communications and consent
By submitting any form on this site, you agree that DealCap USA, our capital partner Real Quick Funds, and (where applicable) matched Partner Network members may contact you by email, phone, text message, or other reasonable means about your submission, including for follow-up questions, documentation requests, underwriting decisions, and funding coordination.
If you apply to the Partner Network, you separately consent to receive communications from DealCap USA about matched deals, application status, network updates, and related operational matters.
Message and data rates may apply to text messages. You may opt out at any time by replying STOP to a text, emailing support@dealcapusa.com, or telling us during a call. Opting out of marketing communications does not stop transactional communications about an active deal you have submitted or an active Partner Network engagement.
6. Fees and pricing
Fees, rates, and terms displayed on the site (in funding-lane cards, drawer calculators, and elsewhere) are estimates and ranges. They are not commitments. Final pricing is set at file review by Real Quick Funds and depends on the specific deal, file quality, market conditions, and underwriting outcome. Nothing on this site constitutes an offer of credit.
The Verdict Underwriter tool is free to use. The Partner Network charges no platform fee, no dashboard fee, and no minimums for accepted members; any compensation arrangement on a specific funded deal, if applicable, is disclosed separately and agreed in writing before that deal closes.
7. No legal, financial, or tax advice
Content on this site — including funding-lane copy, the Verdict Underwriter, the FAQ, the Engine reference table, glossary tooltips, and any tool output — is provided for general informational purposes only. It is not legal, financial, accounting, tax, or investment advice, and should not be relied on as a substitute for advice from a licensed professional. Real estate is risky. Consult your own attorney, accountant, and licensed advisors before making any deal.
8. Acceptable use
You agree not to:
- Submit false, misleading, fraudulent, or stolen information.
- Use the site or Verdict tool to facilitate any illegal transaction, money laundering, or fraud.
- Attempt to reverse-engineer, scrape at scale, or otherwise misuse the site or the Verdict tool.
- Interfere with the operation of the site, including bypassing rate limits, spam protection, or honeypot fields.
- Use the site to harass, abuse, or harm another person.
We reserve the right to refuse service, decline submissions, and block users who violate these terms.
9. Intellectual property
The DealCap USA name, the DealCap USA wordmark, the VERDICT name and Verdict Underwriter tool design and outputs, the DealCap mark (four-shape logo), the DEAL glyph, all associated logos, site content, copy, and visual design are trademarks and copyrighted works of DealCap USA, protected by U.S. and international intellectual property laws. You may not copy, reproduce, redistribute, or create derivative works without our written permission, except that you may print or save Verdict Underwriter results you generate for your own personal use in connection with deals you are evaluating.
10. Disclaimers
The Services are provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or harmful components. We do not warrant the accuracy of any Verdict Underwriter output, fee estimate, or funding-lane description.
11. Limitation of liability
To the maximum extent permitted by law, DealCap USA and its operators, officers, employees, contractors, and capital partners shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of the Services, even if we have been advised of the possibility of such damages.
In any event, our total aggregate liability for any claim arising out of or related to the Services is limited to the greater of (a) the fees you paid to DealCap USA in the 12 months preceding the claim, or (b) one hundred U.S. dollars ($100).
12. Indemnification
You agree to defend, indemnify, and hold harmless DealCap USA, its operators, employees, contractors, and capital partners from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of (a) information you submit that is false, misleading, or unauthorized; (b) your violation of these Terms; or (c) your violation of any law or third-party right.
13. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or the Services will be resolved exclusively in the state or federal courts located in San Diego County, California, and you consent to personal jurisdiction there.
[OPTIONAL FOR ATTORNEY REVIEW: If you want binding arbitration, add an arbitration clause and class-action waiver here. Otherwise litigation in California courts applies.]
14. Changes to these Terms
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent change. Material changes will be flagged on the homepage. Continued use of the Services after a change means you accept the updated Terms.
15. Termination
We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. Sections 5 through 13 survive any termination.
16. Contact
Questions about these Terms? Email support@dealcapusa.com with the subject line "Terms of Service."