How CJJV REI connects borrowers with private & hard money lenders.

CJJV Real Estate Investing, LLC – Lending Policy

1. Introduction

CJJV Real Estate Investing, LLC (“CJJV REI” or “the Company”) is not a direct lender. We operate as an intermediary between borrowers and a large network of private and hard money lenders. This policy describes our role, the types of financing our partners offer, and the basic terms under which those loans are arranged.

2. Scope

This lending policy applies to all funding requests that CJJV REI helps facilitate through its network of 150+ capital sources. We do not originate, underwrite, or fund loans ourselves; instead, we introduce borrowers to third-party lenders whose products may fit the borrower’s needs.

3. Loan products

Through our lender network, CJJV REI can help connect borrowers with a variety of investment-focused loans, including but not limited to:

• Bridge / rehab loans – short-term funds to acquire and renovate investment properties.
• Fix & flip loans – financing for purchase plus rehab with an exit via resale.
• DSCR (Debt Service Coverage Ratio) loans – based primarily on property cash flow and the ability of the asset to service debt.
• Ground-up construction loans – funding for new builds from the dirt up.
• Business capital & equipment loans – working capital or equipment financing for qualified business purposes.

4. Lender network

CJJV REI maintains relationships with a broad mix of private lenders, hard money lenders, and specialty finance companies. These partners are vetted for reliability and competitive offerings. The Company reviews its network on an ongoing basis and may add or remove lenders as market conditions change.

5. Borrower eligibility

To be considered for loan placement through CJJV REI’s network, borrowers are generally expected to:

• Demonstrate acceptable credit history and overall creditworthiness.
• Have relevant experience in real estate investing, especially for the strategy and loan product being requested.
• Provide complete and accurate details about the property, including location, current condition, scope of work, and intended use.
• Supply supporting financial documentation, such as income information, tax returns, bank statements, and proof of funds as required by individual lenders.

6. Application process

While each lender has its own underwriting process, funding requests that come through CJJV REI generally follow these steps:

1. Initial inquiry. The borrower submits basic deal information and funding needs to CJJV REI.
2. Preliminary review. CJJV REI performs a high-level screening of the borrower and deal to see if it appears to fit our network. At this stage, there is typically no hard credit pull.
3. Lender match. Based on the information provided, CJJV REI introduces the borrower to one or more lenders whose products, location, and criteria may be a good fit.
4. Formal application. The borrower completes the lender’s official loan application and submits any required documentation.
5. Lender review & due diligence. The lender underwrites the file, orders any third-party reports, and may run credit, background, and collateral checks.
6. Approval & terms. If the lender approves the request, they issue a loan offer outlining interest rate, fees, leverage, and other conditions.
7. Closing. Once the borrower accepts the offer, the lender coordinates closing and funding in line with their own procedures.

Note: Some lenders may charge a one-time, non-refundable application or underwriting fee. Any such fee is set and collected by the lender, not CJJV REI.

7. Loan terms & conditions

Exact terms are specific to each lender and transaction. In general, borrowers should expect:

• Interest rates that are higher than traditional bank financing due to the speed, flexibility, and risk profile of private and hard money loans.
• Loan-to-value (LTV) limits that commonly fall in the roughly 65–75% range, depending on product and lender.
• Repayment terms that are typically short-term, often from about 6 months up to 3 years for many investment loans.
• Fees such as points, origination charges, processing fees, and standard closing costs, which are fully disclosed by the lender in their term sheets and closing documents.

8. Responsibilities of CJJV REI

CJJV REI is committed to:

• Transparency – clearly communicating the role of CJJV REI, and helping borrowers understand key loan terms and associated fees as presented by the lender.
• Support – assisting borrowers through the matching and application process where appropriate.
• Compliance – operating in line with applicable laws and regulations for loan brokering and referrals in the jurisdictions where we do business.
• Confidentiality – treating borrower and lender information with care and limiting its use to activities related to obtaining funding.

9. Dispute resolution

If a dispute arises between a borrower and a lender in our network, CJJV REI may help facilitate communication to work toward a resolution. However, any formal dispute will ultimately be governed by the loan documents and agreements executed directly between the borrower and the lender.

10. Amendments

CJJV REI may update this lending policy from time to time to reflect changes in business practices, regulatory requirements, or market conditions. When material changes are made, we will update the policy on this page and may provide additional notice as appropriate.