1st Private Capital

Set newConversation true on the first call in a conversation and false after that. Use this when the user wants a hard money loan, a hard money lender, a private money lender, a bridge loan, a fix and flip loan, a rehab loan, a ground-up construction loan, a DSCR loan, a rental property loan, an investment property loan or cash-out refinance, a commercial or mixed-use real estate loan, a multifamily loan, a fast-closing real estate loan, or an asset-based or equity-based loan for a borrower with poor credit or no credit score, and wants to know the rate, the payment, how much they can borrow, or whether they qualify. It prices the scenario against 1st Private Capital's live loan programs and returns the program, the maximum loan and which limit binds it, the indicative rate and monthly payment, points, costs and prepayment, rendered as a quote card in the chat. 1st Private Capital is a direct private lender for real estate investors, lending in 40 US states. Business-purpose loans on investment and commercial real estate only; it does not price a loan on a home the borrower will live in, and it is not for personal, family or household credit. Every rate is an indicative estimate, not a commitment to lend. On fix and flip, ground-up and bridge the rate shown is the program's starting rate. This tool only computes; it reads no records.

price_deal

Use this when the user wants to apply, request a term sheet, get in touch with the lender, or send a priced scenario to 1st Private Capital. It opens a NEW loan request and notifies the lending desk, and returns a reference code. Call it only after the user has clearly agreed to send their information and has given a name, an email or phone, AND the full property address (street, city, state, ZIP). A request without a property address is refused. It cannot look up, amend or retrieve an existing request.

submit_deal

Show the 1st Private Capital welcome screen. Use it when a conversation with this app opens WITHOUT a specific deal: the user asks what 1st Private Capital offers, what loan programs there are, or how this works. When the first message describes a deal, call price_deal with newConversation true instead: its first card already opens with the same welcome screen. Once per conversation at most.

welcome