Credit Memo Generator — RBI Private Lending

Sube el term sheet (PDF o DOCX) y la AI extrae todos los datos automáticamente. Luego puedes editarlos antes de generar el memo.

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Drop term sheet, credit memo or appraisal here

AI extracts ALL data automatically — term sheets, LOIs, credit memos, appraisals

PDF DOCX Credit Memo Appraisal

Or fill manually

If you don't have a term sheet to upload, you can fill in the fields directly.

Term Sheet / Memo Date

Memo Prepared For

Borrower Information

Borrower / Entity Name

Experience (# of deals)

Experience with RBI

Guarantors / Principals

Number:

Guarantor 1 — Name

FICO

Relationship / Ownership %

Assets (Verified)

Primary Residence

LinkedIn / Public Profile URL

Loan Classification & Investor

These fields control which sections and questions appear in the memo.

Loan Purpose

Loan Type / Program

Property Details & Description

Subject Property Address

City, State, ZIP

Property Type

Property SqFt

Lot SqFt

Units (pre-rehab)

Units (post-rehab)

As-Is Value (Appraisal)

ARV (Appraisal)

Purchase Price

Purchase Date

Price $/SqFt (As-Is)

Price $/SqFt (ARV)

Total Budget $/SqFt

Loan $/SqFt

Property Description & Neighborhood Summary (combine both — AI will use this as one unified narrative)

Zillow URL (paste link)

Market Summary / Conditions

Construction Details

Construction Budget (hard + soft costs)

Contingency (%/$)

Total Project Cost (auto)

Lesser(Purchase Price, As-Is) + Budget + Contingency

General Contractor (GC)

GC Profile / BuildZoom URL

GC Vetting Status

Loan Terms & Leverage Calculator

Auto Leverage Calculator — Max Loan Amount

Max LTC (%)

Max LTV As-Is (%)

Max LTARV (%)

Purchase Date

Cost Basis Used

—

Max by LTC

—

Max by LTV As-Is

—

Max by LTARV

—

Max Loan Amount (lesser of all)

—

LTC (actual)

—

LTV As-Is (actual)

—

LTARV (actual)

—

Initial Draw (Day 1)

—

Monthly Payment

—

Interest Reserve

—

Total Loan Amount

Initial Draw (Day 1) = Loan Amount − Holdback

Holdback (Reno)

2nd Lien

Interest Rate (%)

EF PTR / Investor Rate

Term (months)

Interest Type

IR Months Reserved

Prepayment Penalty

Credit Enhancement

Closing Costs

Closing Costs Detail

Total: —

Lender / Variable Fees — you fill these

Broker Fee (% or $)

Lender Origination Fee (% or $)

UW Fee

Appraisal Fee

Feasibility Fee

Legal Fee

Draw Fee

Other Fee

Title / Recording Fees — auto-calculated from loan amount (editable)

Title Insurance 0.5% of loan

Auto-calculated

Doc Stamp / Rec Fee 0.6% of loan

Auto-calculated

Processing Fee

Interest Reserve Configuration

Months Held at Closing (charged)

Deducted from cash to close

Months for Liquidity Check

Required in borrower assets (blank = 0)

Lender Holds Reserves?

YES = charged at closing

Computed IR (held)

—

Rate × Loan × months held

Cash-Out Refinance — Net Cash Calculator

1st Lien / Existing Payoff

2nd Lien / Other Liens

Other Payoffs

Closing Costs (est.) — blank = auto from Loan Terms

Reserves (IR) — blank = rate × loan × IR months

Net Cash-Out = Loan Amount − Payoff(s) / Lien(s) − Closing Costs − Reserves

Fill in Loan Amount, Payoff/Liens, Closing Costs and IR Months to calculate.

Loan Amount

—

Total Payoff / Liens

—

Closing Costs

—

Reserves (IR)

—

Net Cash to Borrower

—

Cash to Borrower (manual override):

Use of Cash-Out Proceeds (Business Purpose)

Condo Specifics

Warrantable Status

HOA Dues (monthly)

HOA Litigation / Issues

Multi-Unit Specifics

Number of Legal Units

All Units Permitted?

Current Monthly Rents (all units)

Appraisal Review Notes

Appraisal Notes / Review Status

Project Status Checklist

Entitlements & Plans

Subdivision done

Condos / HOA

Plans / Entitlements

Approvals to build

Permit issued

Valuation & GC

Appraisal

Appraisal review

GC vetting

Pro-forma SOW / timeline

Work done

Engineering Plans

Architectural plans

Structural plans

Civil engineering plans

Soil & geology report

Building sequence (multi)

Lender Fees

—

Title / Recording

—

Total Closing Costs

—

Fill in fees above to calculate

Cash From / To Borrower

—

Refinance Specifics

Current Payoff / UPB

Reason for Refinance

Seasoning (months since acquisition)

Bridge Loan Specifics

Current Payoff / UPB

Reason for Bridge

Seasoning

Is this a New Construction bridge?

YES — New Construction Uses As-Is Value for leverage NO — Standard Bridge

Cash-Out Refinance — Net Cash Calculator

1st Lien / Existing Payoff

2nd Lien / Other Liens

Other Payoffs

Closing Costs (est.) — blank = auto from Loan Terms

Reserves (IR) — blank = rate × loan × IR months

Net Cash-Out = Loan Amount − Payoff(s) / Lien(s) − Closing Costs − Reserves

Fill in Loan Amount, Payoff/Liens, Closing Costs and IR Months to calculate.

Loan Amount

—

Total Payoff / Liens

—

Closing Costs

—

Reserves (IR)

—

Net Cash to Borrower

—

Cash to Borrower (manual override):

Use of Cash-Out Proceeds (Business Purpose)

Condo Specifics

Warrantable Status

HOA Dues (monthly)

HOA Litigation / Issues

Multi-Unit Specifics

Number of Legal Units

All Units Permitted?

Current Monthly Rents (all units)

Appraisal Review Notes

Appraisal Notes / Review Status

Exit Strategy & Profit Test

Exit Strategy

DSCR / Pro-forma

Selling Costs % (default 14%)

ARV (Profit Test)

Override only if different from above

Profit Test — Enter Values to Calculate

Purchase Price

Amount Invested in Rehab

Remaining Budget

Contingency (Fix&Flip: excluded)

Profit Test — Auto Calculated

Cost = Purchase Price + Budget (always) · Value = ARV (always)

Fill in the profit test fields above to calculate.

Purchase Price

—

Budget + Contingency

—

Total Cost

—

ARV

—

ARV after 14% selling costs

—

Profit

—

Return on Cost

—

Pros / Strengths

Cons / Exceptions / Risks

Subject To / Conditions

Additional Underwriting Notes