Jane Smith
QualifiedReadiness Score
85/100
Financial Snapshot
Annual Income
$145,000
W-2 employed
Credit Score
762
Excellent
Existing Debt
$180,000
Mortgage only
Liquid Reserves
$35,000
3 months expenses
Readiness Checklist
5 of 6 completeRecommended Strategy
Blended Capital Stack
HELOC as primary ($65K), supplemented by 401(k) loan ($25K) and cash ($15K). Total accessible: $105K. Recommended entry: $80K–$100K flip project.
Capital Sources — Jane Smith
| Source | Institution | Available Amount | Verified | Notes |
|---|---|---|---|---|
| HELOC | Wells Fargo | $65,000 | 80% LTV, 8.5% variable | |
| 401(k) Loan | Fidelity | $25,000 | Max 50% of vested balance | |
| Cash Savings | Bank of America | $15,000 | 3-month reserve maintained | |
| SBLOC | Charles Schwab | $40,000 | Pending | Requires portfolio review |
| Cash-Out Refi | Primary Residence | $30,000 | Not Started | Appraised value needed |
| Total Verified | $105,000 | Target: $105,000 | ||
Capital Stack Progress
Consultation History
Follow-up: HELOC Terms Review
Feb 24, 2026
Outcome: HELOC rate locked at 8.5%, proceed with application. Confirmed Wells Fargo terms are competitive. Next step: finalize capital stack with 401(k) loan documentation.
Initial Assessment
Feb 10, 2026
Outcome: 3 viable capital sources identified (HELOC, 401k loan, cash savings). Total accessible capital exceeds $100K target. Follow-up scheduled to review HELOC terms.
Discovery Call
Jan 15, 2026
Outcome: Investment goals confirmed — interested in $80K–$100K flip projects in Charlotte metro. Income and credit profile suggest strong candidacy. Documentation requested.
Documents — Jane Smith
5 documentsDrop documents here or click to upload
PDF, XLSX, CSV, DOC up to 25MB each
Income
W-2 (2024)
PDF · 86 KB · Feb 5, 2026
Pay Stubs (Jan 2026)
PDF · 124 KB · Feb 8, 2026
Credit
Credit Report (Feb 2026)
PDF · 210 KB · Feb 12, 2026
Assets
HELOC Statement — Wells Fargo
PDF · 156 KB · Feb 18, 2026
401(k) Statement — Fidelity
PDF · 98 KB · Feb 18, 2026
Pending
SBLOC Application — Charles Schwab
Requested Feb 24, 2026