Section 1 — Getting Started
1) What services does Paulas 365 Capital offer?
We offer faith-centered education and professional services that may include: Biblical business & financial coaching/consulting, bookkeeping support, notary services, loan signing services, and private lending/loan connector services for business-purpose and investment scenarios (where available).
2) How do I get started for an investment property loan?
Send: name, phone/email, property address, purchase price, rehab, ARV, loan request, exit strategy, credit score (if known), experience, and reserves. We will guide you through next steps and required documents.
3) When should I start shopping for a loan?
Often, the best time is after the property is under contract (or when you are ready to submit a complete deal package).
“For which of you… sitteth not down first, and counteth the cost…?” (Luke 14:28)
4) How do I schedule an appointment?
Email: [email protected] | Phone: (800) 927-1987 | Text: (301) 693-0631
Section 2 — Lending Guidelines
5) Do you fund owner-occupied or primary residences?
No. Our focus is generally non-owner-occupied and business-purpose transactions.
6) Does my credit score matter?
We are often asset-focused, but credit and experience can influence pricing, structure, and options depending on the program.
7) Why do you check credit if you’re different from banks?
To identify major red flags, help determine pricing/terms when required, and reduce fraud risk.
8) Can I qualify if I’ve had a bankruptcy?
Possibly—case-by-case depending on timing, circumstances, and deal strength.
9) Can I qualify if I’m new to investing?
Yes—case-by-case. Some programs require experience; others allow first-time investors with strong deals and support.
10) Can I get a loan for a duplex if I plan to live in one unit?
Typically no, because that is owner-occupied.
“Where no counsel is, the people fall: but in the multitude of counsellors there is safety.” (Proverbs 11:14)
Section 3 — Speed, Terms, and Property Types
11) How fast can you close?
It varies by product, valuation, title, and your documentation. Some transactions can move quickly when your package is complete and submitted promptly.
12) What are your typical loan amounts?
Loan size depends on the product and program. Many investment requests are commonly $50,000+; commercial requests can be higher depending on the project and lender.
13) How long can I use the loan funds?
Terms vary based on the product (short-term rehab vs long-term rental vs commercial). We match structure to strategy.
14) What property types can you fund?
Depending on program availability: non-owner-occupied SFR, multi-family, fix-and-flip, buy-and-hold/rental, select commercial, and select ground-up construction. No primary residences.
Section 4 — Valuation, Appraisals, and Proof of Funds
15) Is an appraisal required?
It depends on the funding source. Some require a full appraisal; others use BPO/AVM or alternative valuations.
16) Do you offer a lower-cost valuation report?
Yes—where available, we offer a low-cost valuation report option to help you evaluate deals before paying for a full appraisal. Contact us for current pricing and coverage.
17) Do you provide Proof of Funds (POF) letters?
Yes—POF letters may be available for qualified business-purpose investment scenarios and subject to location restrictions and internal policy. A POF letter is not a commitment to lend and creates no obligation unless written approval/terms are issued.
Section 5 — Business Funding
18) What business funding options do you offer?
Depending on qualifications and program availability: term loans/working capital, lines of credit, equipment financing, SBA-related options through partners (when applicable), and commercial financing.
19) Are there upfront fees?
It depends. Some programs have third-party costs (valuation, title, processing). We disclose known fees before you proceed.
Section 6 — Coaching, Bookkeeping, Notary, and Signings
20) What is Biblical Business & Financial Coaching?
Faith-centered coaching applying biblical principles—stewardship, integrity, discipline, wise counsel—to build sustainable business systems.
“In all thy ways acknowledge him, and he shall direct thy paths.” (Proverbs 3:6)
21) Do you provide bookkeeping?
Yes—record organization, categorization, and reporting support (and cleanup case-by-case).
22) What notary services do you offer?
Mobile notary, remote online notarization where permitted, and notarization for common personal/business documents and select real estate documents depending on jurisdiction.
23) Do you provide loan signing services?
Yes—loan signing support for real estate and business document signings, by appointment.
Section 7 — Partnerships and What Makes Us Different
24) Do you offer partnership or referral opportunities?
Yes. Referral compensation is disclosed in writing and paid pursuant to agreement and successful closing, when applicable.
25) What makes Paulas 365 Capital different?
Faith-centered integrity, investor-minded structure, education + solutions under one umbrella, and a stewardship-first mission.
“Commit thy works unto the LORD, and thy thoughts shall be established.” (Proverbs 16:3)
“A good man leaveth an inheritance to his children’s children.” (Proverbs 13:22)
26) The Paulas 365 Capital Promise
We aim to serve with integrity, clarity, and excellence—helping you move forward wisely, step by step.
“And whatsoever ye do, do it heartily, as to the Lord, and not unto men.” (Colossians 3:23)