Investment Real Estate Document Checklist
🏘️ Investment Real Estate Loan Document Checklist
Fast-Track Your Loan Approval with Cap One Lending
At Cap One Lending, we make it easy to secure funding for your next real estate investment. Having the right documents ready upfront ensures a faster, smoother approval process. Below you’ll find our comprehensive checklist for investment property loans, including DSCR, Fix and Flip, Fix and Rent (BRRRR), New Construction, and Transactional Funding.
📋 Pre-Approval Document Checklist
Before we can issue your pre-approval, please gather and submit the following:
✅ Completed Real Estate Investor Application.
✅ Government-Issued ID (Driver’s License or Passport) – for all entity members, if applicable
✅ Entity Documents (if borrowing through an LLC, Corp, or Trust):
- EIN Letter
- Articles of Incorporation/Organization
- Signed Bylaws for S-Corps, Operating Agreement for LLC's and/or a Trust Certificate if a Trust is involved
- Certificate of Good Standing (State-Issued)
✅ Real Estate Owned (REO) Track Record (for new Cap One borrowers only)
✅ Most Recent (2 months) Asset Statements with all pages, showing available liquid funds. This can be checking, savings, investment and/or HELOC statements.
Tip: Funds must show your name or business name and must include the banks information.
📋 Additional Documents for Under Contract Purchases or Refinances
Depending on whether you’re purchasing or refinancing, the following documents are also required:
For Purchases:
✅ Signed Purchase Contract (In Entity Name if applicable)
✅ All Contract Amendments and Disclosures
✅ Earnest Money Deposit Receipt
✅ Title Company Details (Name, Contact, Email)
For Rehabs and Bridge Loans:
✅ Lender-Approved Rehab/Construction Budget (for Fix & Flip or New Construction Loans)
For Refinances:
✅ Current Mortgage Statement (with 12-Month Payment History)
✅ Payoff Statement(s) for Existing Liens
New Construction:
✅ Permits, Building Plans, and Contractor Agreement(s)
✅ Contractor License and Insurance – Required for all general contractors and subcontractors
✅ Construction Budget – Must match scope of work and include line-item breakdown
✅ Project Timeline or Build Schedule – Include estimated start and completion dates
✅ Lot Purchase Contract – If the lot is acquired separately from the build
✅ Recorded Deed or Lot Settlement Statement – If the land is already owned
✅ Survey and Site Plan – Showing property boundaries and placement of improvements
✅ Utility Availability and Septic/Well Approvals (if applicable)
✅ Appraisal Ordered As-Completed – Reflecting projected property value upon build completion
📋 Required for All Investment Loans:
✅ Photos of Interior and Exterior of Property (If not current photos are not available online)
✅ Proof of Insurance:
- Insurance Binder with replacement coverage and Paid Receipt
- Must show the entity name (if applicable) and include the lender’s mortgagee clause
✅ Voided Check (For Monthly Payment Auto-Draft Setup)
✅ Title Work:
- Preliminary Title Report
- Closing Protection Letter (CPL)
- Wire Instructions
✅ HOA Information (If Property is within an HOA)
📋 Additional Based on Property Type:
🏠 Rental Properties:
- Current Rental Agreement(s)
- Rent Roll (if applicable)
🏡 Short-Term Rentals (Airbnb/VRBO properties):
12-Month Income History (if available)
- AIRDNA Rental Income Projections (if property has limited or no short-term rental history)
📈 Why Being Organized Matters
Submitting complete and accurate documentation allows us to:
- Provide faster pre-approvals
- Expedite underwriting reviews
- Ensure a quicker path to closing
- Deliver better loan terms tailored to your investment strategy
📬 Need Help Collecting Documents?
Our experienced loan officers are here to walk you through the process step-by-step. Whether you’re funding your first investment or scaling your real estate portfolio, we’ll make sure you’re prepared.
📲 Call us today at 816-905-1111
📧 Or APPLY HERE to get started.
Cap One Lending – Fast, Flexible Investment Property Financing.