Free self-score
Deal readiness score
A loan request gets priced faster when it arrives complete. This self-score checks a deal against the documents lenders commonly ask for early, weights them by our editorial judgement of how often each comes up, and names what is still outstanding. It measures how ready the request is to be read, not whether it will be approved.
What do lenders ask for first?
Tick what you already have. The weights are our editorial judgement of how often each item comes up, and the items marked required are the ones we treat as the core of a package.
- Sponsor liquidity documented relative to the loan size
- Trailing-twelve-month operating statement documented
- Current rent roll
- Sponsor personal financial statement, recently dated
- Schedule of real estate owned
- Phase I environmental report, or willing to order one
- Recent appraisal, or willing to order one
- Borrowing entity formed
- Personal and entity tax returns for the last two years
- Sponsor has prior commercial real estate deal experience
- Sponsor credit disclosed, a common lender screen
- Stabilized coverage projected at the refinance rate
Get matched to lenders for this deal
- 20,000+loan programs screened
- 5–8matches on a typical deal
- under an hourto the median first offer
- Zero upfrontto submit and compare offers
How do you read the result?
Read the outstanding required items before the score. A high score with a required item missing still lacks part of the core package, the documents underwriting typically starts from.
A low score is no reason to wait. The intake takes about five minutes with the core items, and lenders request the rest as they engage; the score lets you see those requests coming.
Frequently asked questions
What counts as a required item?
Documented sponsor liquidity, a trailing operating statement and a current rent roll. We treat them as the core of a package and weight them among the highest.
Why do some items carry more weight than others?
The weights are our editorial judgement of how often each item comes up. Items a lender usually orders itself, such as an appraisal or an environmental report, carry less.
Does a perfect score mean the loan is approved?
No. It means the request is complete enough to underwrite; approval depends on what the documents show about the property and the sponsor.
Is anything I tick here saved or sent to a lender?
No lender sees what you tick, and nothing is saved to a deal. The score is worked out in your browser, and your ticks are recorded in our usage analytics, subject to your cookie settings.
What does YieldStack do?
YieldStack is a commercial mortgage brokerage. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
Bring the number to lenders.Compare the terms they send.
YieldStack is a commercial mortgage brokerage.