OVERVIEW
The Sentinel 5 Step Underwriting System
Our process is built to protect capital, support borrowers, and deliver
lender ready files with clarity and discipline.
The system is:
• Repeatable
• Contractor verified
• Underwriting aligned
• Designed to eliminate surprises
This is how we move deals from intake to funding with institutional precision.
STEP 1: INTAKE
Clean Intake. Clear Expectations.
We begin by collecting the core components required for underwriting:
Borrower Information
• Identity verification
• Experience and track record
• Liquidity and reserves
Deal Documentation
• Purchase contract or refi details
• Property photos
• Preliminary scope
• Any existing bids or estimates
Contractor Information
• License and insurance
• Contact details
• Initial scope and timeline
Outcome:
A complete intake package with no missing pieces.
STEP 2: SCREENING
Borrower, Contractor, and Deal Feasibility Validation
We screen the deal through three lenses:
Borrower Screening
• Experience alignment
• Financial readiness
• Execution capability
Contractor Screening
• License verification
• Insurance validation
• Scope realism
• Timeline feasibility
Deal Screening
• Market alignment
• Preliminary comps
• ARV feasibility
• Red flag identification
Outcome:
A go/no go determination before underwriting begins.
STEP 3: UNDERWRITING
Institutional Grade Modeling and Risk Analysis
We engineer the core underwriting logic lenders expect:
Financial Modeling
• DSCR
• LTC
• LTV
• ARV justification
• Cash flow logic
Market Analysis
• Comparable sales
• Market velocity
• Exit strategy validation
Risk Classification
• A/B/C risk tiers
• Structural risk
• Market risk
• Operator risk
Outcome:
A disciplined, lender aligned underwriting model.
STEP 4: PACKAGING
A Clean, Contractor Verified File Ready for Underwriting
We assemble a complete, lender ready package that includes:
• Borrower profile
• Contractor verification
• Scope of work
• Timeline assessment
• Cost to complete logic
• Market comps
• ARV justification
• DSCR / LTC / LTV modeling
• Risk tier classification
• Red flag summary
• Clean document stack
Outcome:
A file engineered to move through underwriting without friction.
STEP 5: FUNDING
Clean Handoff. Faster Closings. Fewer Surprises.
Once the file is packaged:
• Lenders receive a complete, disciplined, contractor verified deal
• Borrowers receive clear next steps
• Underwriting moves faster
• Closing timelines tighten
• Surprises are eliminated
Outcome:
A smooth, lender aligned path to funding.