RefiGeniuses Process
Your 10-Step Path to Zero-Point Funding
Follow these expert steps and let RefiGeniuses make the conversion and capital access smooth and efficient. From initial consultation to closing with 100% net proceeds—no points, no surprises.
Genius Initiation
Verifying if your current mortgage allows rental conversion.
Regulatory Due Diligence
Examining local zoning, licensing, and HOA restrictions for Orlando, Championsgate, and Solterra.
Rental Strategy Genius
Optimizing your long-term or short-term strategy and connecting to the Airbnb Liquidity Line.
DSCR Modeling
Calculating your Debt Service Coverage to maximize cash flow and save on taxes with a smart refi structure.
Rent-Readiness Audit
Pinpointing required repairs for property monetization.
Market Viability Analysis
Validating rental demand for your location and property type.
Insurance Pivot
Ensuring your policies meet DSCR conversion requirements.
Document Packaging
Gathering and digitizing all necessary documentation for direct underwriting.
Partnership Call
Consulting with your direct underwriter to lock in a zero-point structure.
Close & Secure Capital
Finalizing your loan to receive 100% net proceeds with no points at closing.
Direct Underwriting
We make the rules. We underwrite your business cash flow, not a rigid bank checklist.
Zero Points
No upfront fees. No equity drain. 100% of your net proceeds at closing.
Balance Sheet Backed
We are the money. We profit when you scale, not from your closing costs.