The $1.6M Refinance
How Bhumi translated a manual, cash-heavy portfolio into an institutional-grade borrower profile in 48 hours.
The $11,000 Gap
The Lender flagged an $11,000 annual gap between the T-12 (Income) and Bank Deposits (Cash). Standard protocol: haircut the income.
We didn't just "explain" it. We performed a line-by-line audit of the October deposit batch, matching specific tenant checks to the penny ($33,624.01).
The Pontiac Route
~$1,850/mo in Section 8 payments was hitting an affiliate account ("Pontiac"). The Lender was about to "haircut" this income entirely.
We traced the bulk government wire ($5,614) and built an allocation schedule proving the income existed and was attributable.
New Year's Eve Sprint
At 1:00 PM on Dec 31st, the insurance agency sent a blank application with critical errors (4 buildings vs 6). Office closing in 2 hours.
We caught the liability gap, drafted the corrections, forced the "Draft Certificate" issuance, and bound coverage effective 1/30/26 before the holiday close.
Insurance agency sends blank application with critical errors: 4 buildings listed instead of 6. Office closing at 3 PM for holiday.
Building count mismatch, incorrect coverage amounts, missing liability endorsements. Standard correction timeline: 5-7 business days.
Drafted corrections, escalated to agency principal, negotiated "Draft Certificate" issuance to preserve deal timeline.
Insurance documentation received by Walker & Dunlop with 45 minutes to spare. Coverage bound effective 1/30/26.
Stop leaving money on the table because your data isn't institutional-grade.
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