GUC Sizer — SLA Capital

Internal tools · Eastview Ground Up Construction · Admin Only

GUC Sizer GUC

Ground Up Construction loans — Eastview product. Sizes the loan against the Eastview leverage matrix, applies stacked reductions (HPA decline, ZHVI multiplier, FICO band, no permits), and returns the EV Buy Rate from the coupon ladder.

⚠ Admin only. This is a new product offering. Run any GUC quote past Mike before sending the term sheet to a borrower.

Property Information

Property Address

City

State

Not eligible: ND, SD, HI, AK

Zip Code

Number of Units

Zillow Home Value Index (ZHVI)

From Zillow research page for this ZIP — median home value.

HPA — Home Price Appreciation (%)

YoY % change. Negative = declining market (triggers reduction).

Loan Information

Loan Purpose

Loan Term (months)

12–24 months

Expected Closing Date

Borrower / Entity

Entity Name

Borrower Email (primary contact)

Property Valuation & Rehab

Purchase Price

Purchase Date

Less than 6 months ago = treated as Purchase loan.

Appraisal As-Is Value

Appraisal After-Repair Value (ARV)

Previously Completed Rehab (refi only)

Total Construction Budget

Post-Completion Square Footage

Min: SFR/Townhome 600 / Condo or 2-4 Unit 500 per unit

Appraisal Date

Must be within 120 days of Note date.

Underwriting Toggles

Entitled Land?

Yes No

No = ineligible (-100%, hard kill).

Approved Permits & Plans?

Yes No

No = -10% front-end holdback.

Interest Reserves?

Yes No

Yes required to qualify for 90% TLTC.

Borrower 1 Foreign National?

No Yes

Yes = 65% leverage cap (same as 660–679 FICO).

HUD / Closing

Loan Interest Rate (Borrower Coupon)

Borrower coupon range: 8.50% – 13.25%+. Higher coupon → larger SLA spread over the EV Buy Rate.

Lender Origination Points (%)

Max 5% of loan amount.

Broker Origination Points (%) — optional

Verified Borrower Liquidity at Closing

Required minimum is computed in the results panel.

Notes & Internal Comments

Sizing Results

Fill in the form and click Calculate.