Approach & Methodology
Institutional execution,
in 45 days.
A disciplined, six-phase methodology that takes every qualifying opportunity from principal intake to close and post-close servicing. No retail financing contingencies. No intermediaries. No surprises at the table.
From intake to the wire
Each phase is defined, time-bound, and owned by a principal. The timeline below reflects a typical qualifying commercial or residential transaction.
- Days 1–2
Intake & Qualification
We begin with a disciplined intake conversation. A principal reviews the property, ownership history, capital stack, and seller objectives before any term proposal is made.
- Direct principal call — no gatekeeping or sales intermediary
- Property survey: asset type, ownership structure, current debt, income
- Seller objective mapping — net proceeds, timeline, tax considerations
- Preliminary fit assessment across our five capital structures
- Days 3–10
Underwriting & Analysis
Our AI models analyze NOI, cap rates, comps, and creative-structure viability while a principal verifies every submitted figure against source documents.
- T-12 and rent roll verification against submitted figures
- NOI, cap rate, and creative-structure viability modeling
- Market comp and exit assumptions stress-tested
- Draft structure selected from the five capital frameworks
- Days 11–18
Term Sheet & Structuring
We deliver a preliminary term sheet detailing the proposed structure, pricing, cash at close, ongoing payments, and the path to payoff or refinance.
- Preliminary term sheet issued — typically within 72 hours of qualification
- Structure, pricing, and payment schedule defined
- Seller net-proceeds and tax-treatment walkthrough
- Open items and diligence checklist agreed with the seller
- Days 19–35
Documentation & Legal Review
Attorney-drafted purchase agreements, notes, security instruments, and disclosures are prepared. Independent seller counsel is always encouraged and accommodated.
- Attorney-drafted purchase agreement and promissory note
- Security instruments and disclosure documents prepared
- Title order, payoff statements, and estoppels collected
- Independent seller counsel review window
- Day 45
Closing
We target a 45-day close on qualifying transactions. Funds are wired to title, documents execute, and the ongoing servicing relationship begins the same week.
- Funds wired to title; documents execute
- Professional servicer onboards the ongoing payment relationship
- Post-close welcome package delivered with reporting schedule
- Operating and servicing responsibility transfers to UR Creative Solutions
- Months 1–60
Post-Close & Ongoing Reporting
Our relationship does not end at close. Sellers with ongoing paper receive institutional reporting, transparent servicing records, and a dedicated principal contact throughout the term.
- Monthly payment confirmation and servicer statements
- Quarterly operating and capital improvement updates where relevant
- Direct access to a UR Creative Solutions principal for any questions
- Refinance / take-out coordination at the balloon milestone
Documentation
Attorney-drafted
documentation.
Every transaction uses attorney-drafted purchase agreements, promissory notes, security instruments, and disclosure documents. Independent seller counsel is always encouraged and accommodated.