Why Most Lending Processes Are Still Built for 1995
Traditional mortgage lending is built around scheduled phone calls, in-person meetings, fax machines, and multi-week document collection processes. For W-2 employees buying a primary residence, this process is already slow. For active real estate investors, who are analyzing multiple deals simultaneously, managing contractors, handling tenant issues, and running a business, it is genuinely obstructive. Every scheduled call is a calendar block. Every document request is an interruption. Every status update requires initiating contact with a loan officer.
We built our process differently. DSCR lending, by design, requires minimal documentation. We use that inherent simplicity to run a fully async operation: no scheduled calls required, no drop-by meetings, and no waiting for a loan officer to return your call.
How the Process Works
Every loan at Get Brick Capital moves through the same steps, all handled via text and email:
- Submit online. Complete the intake form with your property address, estimated value, current loan balance, monthly rent or projected rent, and credit score range. No credit pull at this stage.
- Receive rate by text and email within 24 hours. We review your submission and send the rate, LTV, estimated cash out or payoff, and program details in writing. No call required to receive your quote.
- Decide to proceed, or not. Review the rate on your own time. No pressure, no follow-up calls. If the rate works, reply to move forward.
- Formal application and appraisal order. You complete the formal application digitally. We order the appraisal immediately. All communication happens via text or email.
- Underwriting and document requests. Any document requests, entity paperwork, lease, insurance binder, come through email. You upload and respond on your schedule.
- Clear to close and wire instructions. When the file is clear, you receive closing documents electronically. The loan funds and any proceeds are wired to your account.
No Calls. No Meetings. Just Close.
Submit online. Rate in 24 hours by text or email.
Submit Deal Summary →What Stays the Same
Async communication does not mean less accountability or slower resolution. When you text or email a question, you get a response: same day in most cases. If there is a documentation issue or an underwriting question, you hear about it immediately, not at the next scheduled call three days out. The async model is faster in practice because communication happens as issues arise, not on a calendar.
The underwriting standards, appraisal requirements, and closing process are unchanged from any other DSCR lender. Third-party appraisal, credit check, title insurance, and closing with a licensed settlement agent. The loan is real, the rate is fixed, and the process is legitimate. It is just handled in text and email rather than scheduled calls.
A Note From Bridget
“Real estate investors don't need handholding: they need execution. We built our process to match how investors actually operate: fast, direct, and on your schedule. Send us your deal. We will send your rate by text and email within 24 hours. Everything from there happens the same way: no phone tag, no calendar holds, no waiting rooms. Just a clean close in 28 days.”
Bridget Brick
Founder, Get Brick Capital
The Bottom Line
If you have been avoiding refinancing because the process requires multiple scheduled calls and document drop-offs, that is not how we work. Submit online, receive your rate by text or email within 24 hours, and close in 28 days: all handled asynchronously. No phone calls required unless you want one.