The terms and conditions that govern your use of the I Am Lender website and services. Please read carefully.
I Am Lender LLC (“I Am Lender,” “we,” “us,” or “our”) operates this website and provides services that help real estate investors obtain business-purpose financing: fix & flip loans, bridge loans, rental/DSCR loans, and ground-up new construction loans, nationwide across the United States. Throughout these Terms, “you” refers to the person or entity accessing the site or requesting our services.
Depending on the transaction, we may act as a broker or arranger that connects your deal with third-party lending sources, and/or facilitate financing directly. Where a loan is funded by a third-party lender, that lender's own terms, disclosures, and servicing will govern the loan.
You must be at least 18 years old and able to form a binding contract to use this site. Our financing services are intended for real estate investors seeking business-purpose loans, which are typically made to entities (such as an LLC or corporation) rather than to individual consumers for personal, family, or household purposes. We do not offer owner-occupied or consumer mortgages.
By requesting our services, you represent that: any financing you seek is for business or investment purposes; if you submit on behalf of an entity, you are authorized to act for it; and the information you provide is accurate, current, and complete to the best of your knowledge.
I Am Lender helps investors identify, quote, and arrange hard money and related real estate financing. We do not provide legal, tax, accounting, appraisal, or investment advice, and nothing on this site should be relied upon as such. Figures you see here, including the published rates and terms on our homepage, are starting points for a conversation, not conclusions.
Information on this website, including rates, points, leverage, timelines, sample term sheets, and program descriptions, is for general informational purposes only. The ranges currently published are indicative as of July 12, 2026 and change with market conditions. Nothing on this site is an offer, solicitation, or commitment to lend, and it does not create a lending relationship.
All financing is subject to underwriting, property evaluation, verification of the information you provide, third-party approvals, and market conditions, and actual terms may differ. A written term sheet is an indication of terms, not a commitment; a binding obligation arises only under a signed written loan agreement. Program availability, pricing, and requirements may change at any time without notice, and loans are not available in all markets for all property types.
Submitting a deal scenario or contact form does not authorize us to obtain your credit report; we do not pull credit to start, and we will not access your credit until you sign a separate written authorization as part of underwriting. When you do sign that authorization, it will describe the scope of the inquiry and your rights under the Fair Credit Reporting Act.
Interactive tools on this site, including deal and DSCR calculators, maximum-offer and payment estimators, and the proof-of-funds letter generator where offered, are provided for convenience and estimation only. Their outputs are illustrative, depend entirely on the inputs and assumptions you provide, and do not represent an offer, approval, guarantee, or professional advice. A proof-of-funds letter is not a loan approval and should not be represented to any seller as one. You are responsible for independently verifying any figure before relying on it.
When you submit information through our forms, you agree to provide accurate, current, and complete information, and you represent that you have the right to share it, including any property or deal documents. Intentionally submitting false or misleading information to obtain credit is a serious matter under federal and state law. We may use the information you provide to evaluate your request and arrange financing, as described in our Privacy Policy.
By providing your phone number and email and submitting a request, you agree that we (and service providers acting on our behalf) may contact you about your inquiry and our services by phone, email, and text message, including at any number you provide, using automated or prerecorded means where permitted by law. Where you opt in to text messaging, message frequency varies and message and data rates may apply. You can reply STOP to opt out of texts at any time or HELP for assistance. Consent to marketing communications is not a condition of obtaining any financing. See our Privacy Policy for how we handle your information.
The site and its content, including text, design, graphics, logos, and the “I Am Lender” name and branding, are owned by us or our licensors and are protected by applicable intellectual property laws. You may view and use the site for your own legitimate, non-commercial evaluation of our services. You may not copy, reproduce, republish, scrape, or create derivative works from the site without our prior written permission.
We use third-party providers to operate the site and our services, including customer-relationship and messaging tools (GoHighLevel / LeadConnector), website hosting (Netlify), bot protection (Cloudflare), transactional notifications (GoHighLevel / LeadConnector and Quo), and business email (Google Workspace). The site may also contain links to third-party websites, such as loan-document platforms. We do not control and are not responsible for third-party sites or services, and your use of them is governed by their own terms and privacy policies.
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
The site and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or error-free, or that any information, estimate, or timeline (including our published closing timelines) will be accurate or achievable for your transaction.
To the fullest extent permitted by law, I Am Lender LLC and its owners, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or business, arising out of or related to your use of (or inability to use) the site or our services, even if advised of the possibility of such damages. To the extent liability cannot be excluded, our total liability will not exceed one hundred U.S. dollars ($100).
You agree to indemnify and hold harmless I Am Lender LLC and its owners, members, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the site, your submissions, or your violation of these Terms or applicable law.
These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the site will be resolved in the state or federal courts located in Ohio, and you consent to the personal jurisdiction and venue of those courts.
We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the site after changes take effect constitutes acceptance of the revised Terms.
Questions about these Terms? Contact I Am Lender LLC: