The terms and conditions that govern your use of the I Am Lender website and services.
Effective date: July 10, 2026 · Last updated: July 10, 2026
"I Am Lender" ("we," "us," or "our") operates this website and provides tools and services that help real estate investors obtain business-purpose financing. Throughout these Terms, "you" refers to the person or entity accessing the site or requesting our services.
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) rather than to individual consumers for personal, family, or household purposes. By requesting our services you represent that any financing you seek is for business or investment purposes.
I Am Lender helps investors identify and arrange hard money and related real estate financing. 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. We do not provide legal, tax, accounting, appraisal, or investment advice, and nothing on this site should be relied upon as such.
Loans are not available in all states, and program availability, pricing, and requirements may change at any time without notice.
Our calculators (including deal analyzer, DSCR, BRRRR, maximum offer, payment, and term-sheet estimators) and the proof-of-funds letter generator are provided for convenience and estimation only. Their outputs are illustrative, are based on the inputs and assumptions you provide, and do not represent an offer, approval, guarantee, or professional advice. You are responsible for independently verifying any figures before relying on them.
When you submit information through our forms, you agree to provide accurate, current, and complete information. You are responsible for the content you submit and represent that you have the right to share it. 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. 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. Your consent to marketing communications is not a condition of obtaining any financing. See our Privacy Policy for details on 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 forms tools (such as HighLevel / LeadConnector), website hosting, email, and analytics. The site may also contain links to third-party websites. 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 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 will be accurate or achievable.
To the fullest extent permitted by law, I Am Lender 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 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 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 your acceptance of the revised Terms.
Questions about these Terms? Contact us: