Important website terms
Terms of use.
Clear boundaries for calculators, property data, mortgage information, reports, and submissions.
Bradly D. Metz · NMLS #2880165
Caliver Beach Mortgage, LLC · Company NMLS #1434247 · licensed in 35 states plus the District of Columbia
01
Website identity
Investor Funding Desk is an educational and marketing website operated by Bradly D. Metz · NMLS #2880165 in connection with Caliver Beach Mortgage, LLC · Company NMLS #1434247. It is not a separate lender, creditor, appraiser, real estate broker, law firm, accounting firm, or government agency.
02
No offer or credit decision
Website content, program ranges, calculations, emails, and reports are general information and preliminary planning tools. They are not an advertisement of a specific rate or payment, Loan Estimate, approval, denial, rate lock, appraisal, broker price opinion, legal or tax advice, or commitment to lend. Final eligibility and terms require a complete application, verified information, disclosures, valuation, underwriting, and approval.
03
Automated property and deal data
Address standardization and a property-record match confirm only that an automated source returned a likely location or record; they do not establish title, ownership, legal description, condition, value, occupancy, or eligibility. Property records, automated valuations, rents, comparable selections, market statistics, scores, and projections may be incomplete, delayed, or inaccurate. They have not been independently inspected, selected, adjusted, or reconciled by an appraiser unless expressly stated in a separate signed engagement. Users must verify material assumptions before acquiring, selling, renovating, or financing property.
04
Program availability
Mortgage services are offered through Caliver Beach Mortgage, LLC (Company NMLS #1434247), licensed in 35 states plus the District of Columbia. Certain business-purpose programs may also be available in other jurisdictions where licensing is not required and the company authorizes the transaction. Availability is never implied by this website and remains subject to applicable company, branch, individual, funding-source, product, and program requirements. Programs, leverage, pricing, fees, terms, and capital sources may change without notice and vary by borrower, guarantor, credit, experience, liquidity, property, occupancy, valuation, cash flow, entity, state, and exit strategy.
05
Automatic loan sizing
When a user enters a target LTV, LTC, or LTARV, the website multiplies that percentage by the selected eligible purchase-price, cost, current-value, ARV, or completed-value basis and rounds the result to the nearest dollar. For a DSCR purchase, the website uses the lower of purchase price and an entered estimated or appraised value when both are available. When a user enters a loan amount, the website displays the corresponding percentage on the same basis. These are arithmetic planning aids only; the applicable lender may use a different eligible basis, the lower of multiple limits, verified costs, an independent valuation, or other underwriting rules.
06
Bridge planning definitions
For website planning, total requested exposure means the requested initial advance plus any requested future rehab holdback. Initial advance is total requested exposure minus the rehab holdback. Loan-to-cost (LTC) is total requested exposure divided by purchase price—or documented historical cost basis on a refinance—plus the full renovation budget. Loan-to-after-repair value (LTARV) is total requested exposure divided by the entered ARV. Individual lenders may classify eligible costs, completed work, holdbacks, draws, and leverage differently; the applicable lender's term sheet and underwriting calculation control.
07
User responsibilities
Provide accurate information, use the site only for lawful purposes, and do not submit another person's information without authority. Reconfirm any borrower or vesting facts copied into an additional property submission. Proposed vesting and title changes are preliminary intake facts—not legal, tax, title, or underwriting advice—and must be independently verified with the applicable lender, title provider, attorney, accountant, and other advisers. Do not upload or enter sensitive personal or financial information into public forms. Use the linked secure application only for a DSCR request when directed, or another Brad-approved secure channel for protected mortgage data, and independently obtain legal, tax, insurance, construction, and investment advice where appropriate.
08
Communications
Submitting a request authorizes communications only as stated beside the relevant consent control. Consent is not a condition of purchase. Ordinary email and text are not guaranteed secure. Commercial marketing messages, if any, are subject to applicable opt-out rights; service and transaction messages may continue.
09
Third-party services
External links and integrated data or delivery services are provided for convenience and may have separate terms, privacy practices, availability, and accuracy. Investor Funding Desk does not control third-party websites or guarantee continuous access to them.
10
Acceptable use and intellectual property
Do not disrupt, scrape, reverse engineer, overload, misuse, or attempt unauthorized access to the site, its forms, reports, databases, or administrative tools. Site branding, original copy, report design, and software are protected except where third-party rights apply. A generated report may be used for the recipient's own preliminary transaction review but may not be represented as an appraisal or independent professional valuation.
11
Disclaimer and limitation
To the maximum extent permitted by law, the site and its outputs are provided without warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, or non-infringement. Nothing in these terms waives a right or duty that cannot lawfully be waived, including rights under applicable consumer-finance or fair-lending law.
12
Changes and contact
These terms may be updated as the site, products, or legal requirements change. Questions may be sent to bradm@caliverbeach.com or 443-233-8102. The version below is the current website version.