MODULE E • 36-MONTH LIFECYCLE
Originating Loan Officer Handback Desk36-Month Lease-Option & Refinance Incubator
Rescuing the 14 of 20 mortgage applicants denied for tax-return DTI. Incubating credit, tracking rent credits, and executing 19-day rate-and-term refinances at Month 36.
The 36-Month Automated Alert & Refinance TimelineFast 19-Day Closing at Month 36
Month 1–24
Credit & Rent
On-time rental payments logged. Monthly rent credits ($400-$700/mo) accrue toward down payment.
Month 30 Alert
Pre-Refi Notice
Automated notification sent to originating Loan Officer & Realtor to review CPA returns.
Month 33 Prep
Appraisal Prep
Title search executed, appraisal ordered. Loan application converted to rate-and-term DSCR.
Month 36 Closing
19-Day Refi
Loan officer earns refinance fee, Realtor gets sales commission, Mario captured 3 years of cash flow!
Active Tenant-Buyers in Incubator (3)Click tenant to inspect timeline & rent credits
| Borrower / Trade | Timeline | Accrued Credit | Originating LO | Status |
|---|---|---|---|---|
Michael Hernandez Commercial Concrete Contractor | Month 28 of 36 | $16,800 | Tom Bradley (Fairway Mortgage) | Month 30 Pre-Refi |
Derrick & Samantha Vance HVAC & Electrical Master Tech | Month 14 of 36 | $7,000 | Marcus Vance (Guild) | Active - On Track |
Jason Miller Custom Framing & Roofing Contractor | Month 35 of 36 | $23,100 | Rachel Chen (Movement Mortgage) | Refinance Ready |
Month 28 of 36 Active
Michael Hernandez
Commercial Concrete Contractor • 349 Oakridge Blvd, Dallas, TX
Bank Tax Return Gap:
Verified Cash Flow:
$320,000/yr
Reported Net Tax:
$34,000/yr
Monthly Lease
$3,800/mo
Accrued Down Pmt
$16,800
Originating Loan Officer Handback:
Tom Bradley (Fairway Mortgage)
Scheduled Handback Date: 2027-06-01