For Hard Money Lenders

Stop funding rehabs on unverified contractor bids.

Most rehab loans are underwritten against contractor bids that are incomplete and underpriced by $20,000–$55,000. RehabScope™ delivers an independent line-item scope review you can use to protect the loan file, structure draws, and reduce defaults.

See Pricing → Run a Report → 📄 See a Sample Report

Hard Money Lenders Bridge Loan Originators Private Lenders

The Problem

You're funding deals on unvalidated scopes.

You underwrite to ARV — but your collateral only reaches ARV if the rehab scope is complete, correctly priced, and executable. If the bid is missing items, your LTV math is wrong from the start.

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Underfunded Projects Don't Close

When a borrower runs out of budget at 60% completion, the property stalls. Half-finished rehabs don't sell at ARV — and they don't sell fast.

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You're Relying on the Borrower's Contractor

The contractor's incentive is to win the job. The borrower's incentive is to close the loan. Neither aligns with your incentive: loans that actually complete.

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Incomplete Scopes Distort Your LTV

If the real rehab cost is $75K but the bid says $40K, your deal structure is off. RehabScope™ surfaces the gap before the loan is built.

Why Lenders Use RehabScope

Protect your loan book on every deal.

Add scope validation at application, underwriting, or before draw releases — and document it in the loan file.

Catch Underfunded Deals Early

Run a report at application. If the scope is thin or the budget gap is big, you have documented reasons to request revisions or restructure.

Structure Draws Against Real Numbers

Draw schedules built on underpriced scopes release funds too early. RehabScope™ supports draw milestones with realistic scope costs.

Document It in the Loan File

Every report is a lender-ready PDF: scope breakdown, realistic budget range, missing items, and risk flags.

Standardize Review Across a Team

The Office Plan is built for lender ops: consistent underwriting support and repeatable documentation across multiple users.

Fewer “Surprise” Change Orders

Missing items become change orders that drain reserves. Flagging scope gaps early reduces mid-project budget blowups.

Make It a Condition of the Loan

Requiring an independent scope validation filters out poorly planned deals before they reach your underwriting desk.

Pricing

All purchase options. No dead-ends.

Pay per report (Instant / Insight / Verified), or add the Office Plan for consistent lender ops. Every choice below is a path to purchase.

Instant

$79

Line-item scope review and budget benchmark delivered in minutes. Great for quick screening and underwriting triage.

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Here's exactly what you get.

Every RehabScope™ report covers these seven sections — built from the contractor's actual bid, your property details, and local market data.

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Risk Score & Verdict

A 0–100 risk score with five weighted components — priority items, budget gap severity, deferred risk, scope quality, and confidence. Verdict: Safe, Proceed with Conditions, or High Risk.

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Realistic Budget Range

The contractor bid alongside a realistic low-to-high budget range based on local market rates. Budget gap is called out in dollars so you know exactly what's unaccounted for.

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Line-by-Line Price Analysis

Every bid line item is classified as Reasonable, Overpriced, Underpriced, or Missing — with market low and high comparisons and a note explaining each flag.

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Missing Scope Items

Every item that should be in scope but isn't — with estimated cost ranges and an explanation of why it matters. This is where most budget surprises live.

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Deferred Risk Items

Items that look fine now but are likely to fail mid-project or post-renovation — aging HVAC, unaddressed moisture, deferred roof repairs — with estimated impact ranges.

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Recommendations

Prioritized action items — High, Medium, and Low — telling you exactly what to do before signing, what to negotiate, and what to monitor through the project.

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Contractor Scorecard Insight+

Pattern analysis of the contractor's history across all RehabScope™ jobs — high-risk rate, commonly omitted items, avg overpriced and underpriced items per job.

See a Real Report — Run Your Deal →

FAQ

Questions we hear before every demo.

How does requiring RehabScope affect our application process?

Most lenders add it as a checklist item alongside the contractor bid — borrowers submit the report through the portal and you receive the PDF. It adds a step for the borrower, but reduces surprises later.

What’s in the report and how does it support draw decisions?

The report includes a full line-item breakdown, realistic budget range, missing items with cost estimates, contractor scorecard, risk rating, and written notes you can store in the loan file.

How fast are reports delivered?

Instant and Insight tier reports are delivered in minutes. Verified reports with human analyst review are delivered within 48 hours.

Do we have to subscribe to buy reports?

No. You can buy reports individually (Instant / Insight / Verified). The Office Plan is optional for lenders that want a standard process across a team.

How does the $799/month Office Plan work?

It’s priced per office. After you email to start, we’ll coordinate onboarding and confirm access.