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Visit Our Offices Inquiry? Ask Us Share Your Goals Sean@thelendinglab.com Find Us At 2558 Foxwood Rd SOrange Park, FL 32073 When We Are Open 8:30 am - 5:30 pm EDT

*Also a great option for repeat buyers and move-up homes Conventional Loans Flexible Financing for Strong Buyers Conventional loans are mortgage programs backed by Fannie Mae and Freddie Mac, offering low down payment options, competitive pricing, and fewer restrictions compared to government-backed loans. APPLY NOW CONTACT A LOAN OFFICER Why Conventional Loans Low Down Payment Options (as low as 3–5%) Finance the full purchase price no large upfront cash needed No Upfront Mortgage Insurance Fee Unlike some government loans Flexible Loan Terms Private mortgage insurance can be removed once you build equity Competitive Interest Rates Especially strong for borrowers with good credit Eligible Properties Primary residences Your main home where you live most of the year. Second homes Vacation or secondary properties for personal use. Investment properties Homes purchased to generate rental income or long-term profit. Who Is This For Buyers with good to excellent credit Best suited for borrowers with strong credit profiles, helping secure better rates and terms. Borrowers with stable income Consistent income and employment history improve approval chances and loan conditions. Those looking for flexibility in property type Can be used for primary homes, second homes, or investment properties. Where strategy meets approvals We go beyond just approvals we help you optimize your deal Compare multiple rate scenarios Structure your loan for long-term savings Break down your monthly costs clearly Fast, smooth underwriting process

Estimate Your Property’s ARV Analyze your deal, project your profit, and invest with confidence. The ARV is one of the most important numbers in real estate investing it estimates what a property will be worth after renovations are complete What Is ARV? ARV stands for After Repair Value the projected market value of a property after improvements are made Investors use ARV to: Enter Your Deal Details: Not Sure If Your ARV Is Accurate Send us your deal we’ll help you validate your numbers before you commit. GET YOUR QOUTE Determine if a deal is profitable Estimate resale value Calculate maximum purchase price Purchase Price Estimated Rehab Cost Comparable Sales Value (Comps) Estimated Selling Price (Optional) TALK TO A LOAN OFFICER The DSCR calculator measures whether a rental property's income covers its debt payments. Enter the monthly rent and your total PITIA (principal, interest, taxes, insurance, association fees) to get the ratio lenders actually look at. Most DSCR lenders want 1.25 or higher. Below 1.0 means the property loses money before you even factor in vacancies or repairs. Debt Service Coverage Ratio (DSCR) Calculator See if the property pays for itself. TRY OUR DSCR CALCULATOR

* Designed for those creating value from the ground up Construction Loans Build Your Vision from the Ground Up Finance your project from land purchase to final build all in one structured loan. Construction loans are designed for borrowers who want to build a home or investment property from scratch, with flexible funding that supports every stage of the construction process. APPLY NOW CONTACT A LOAN OFFICER Why Construction Loans Finance Land + Construction Costs Cover everything from purchase to build Draw-Based Funding Funds released in stages as construction progresses Interest-Only Payments During Build Lower payments while your project is underway Flexible Loan Structures Options to convert into long-term financing Built for Builders & Visionaries Homeowners building custom homes Perfect for buyers looking to design and build their dream home from the ground up. Real estate investors developing properties Ideal for funding new construction projects for resale or long-term investment. Builders and developers Designed for professionals managing ground-up construction and large-scale projects. What You Can Expect Financing based on projected property value Loan is structured around the estimated value of the completed project. Structured draw schedule Funds are released in phases as construction progresses. Interest-only payments during construction Lower monthly payments while the project is being built. Flexible timelines depending on project scope Terms adjust based on the size and complexity of your build. Start with land End with legacy We help turn your plans into a fully funded project Project cost and timeline analysis Guidance on structuring your loan Clear draw schedule planning Fast, reliable approvals

VA LOAN Built for Those Who Served VA loans, backed by the U.S. Department of Veterans Affairs, offer one of the most powerful paths to homeownership combining no down payment, competitive rates, and flexible qualification requirements. APPLY NOW * VA loans are not for investment-only properties you mustlive in the home CONTACT A LOAN OFFICER Why VA Loans 0% Down Payment Buy a home without needing a large upfront investment No Private Mortgage Insurance (PMI) Keep your monthly payment lower Competitive Interest Rates Often better than conventional financing Flexible Credit Guidelines More accessible than traditional loan programs Limited Closing Costs Designed to protect veteran borrowers Who Is Eligible Active-duty military Currently serving full-time in the armed forces. A Veteran Previously served in the military and was honorably discharged. A Member of the National Guard or Reserves Serves part-time while maintaining civilian employment, with eligibility based on service requirements. An Eligible surviving spouse The spouse of a deceased service member who meets VA eligibility criteria and has not remarried (with some exceptions) What Can You Use it for Primary residence purchases Homes intended to be your main place of living, not for investment or vacation use. Single-family homes Standalone residential properties designed for one household Condos (VA-approved) Condominium units located in communities that meet VA eligibility standards. Multi-unit properties (up to 4 units, if owner-occupied) Properties with 2–4 units, as long as you live in one of the units as your primary residence. WE DONT JUST PROCESS LOAN we help you understand your numbers and move with confidence Clear breakdown of your buying power Guidance through eligibility and COE Fast, investor-minded approvals Fast, investor-minded approvals

* While FHA includes mortgage insurance, it allows you to enter the market sooner FHA Loans A Flexible Path to Homeownership FHA loans, backed by the Federal Housing Administration, are designed to make homeownership more accessible especially for buyers who may not meet traditional lending requirements. APPLY NOW CONTACT A LOAN OFFICER Why FHA Loans Low Down Payment (as low as 3.5%) Makes it easier to get into a home sooner Flexible Credit Requirements More forgiving than conventional loans Competitive Interest Rates Designed to keep payments affordable Higher Debt-to-Income Flexibility Helps more buyers qualify Who Is This For First-time homebuyers A great option for buyers entering the market with more flexible qualification requirements. Buyers with lower credit scores Backed by the Federal Housing Administration, allowing more lenient credit guidelines compared to conventional loans. Those with limited savings for down payment Requires as little as 3.5% down, making homeownership more accessible. Eligible Properties Primary residences only Must be your main home investment and vacation properties are not eligible. Single-family homes Standard detached homes that meet property and safety guidelines. Multi-unit properties (up to 4 units, owner-occupied) Live in one unit and rent out the others great for building income while owning. FHA-approved condos Condominiums must be approved by the Federal Housing Administration to qualify. Where strategy meets approvals We simplify the process and help you move forward with confidence Break down your buying power clearly Help improve your approval chances Guide you through every step Show you the best loan options for your situation

Licenses & Disclosures Our Company Info The Lending Lab LLC2558 Foxwood Rd S, Orange Park, FL 32073(678) 231-2462sean@thelendinglab.com NMLS ID # 2817920 We function as a mortgage broker and work with a network of lenders. We are not a direct lender. Our Loan Officers Sean Bailey, President NMLS ID #2128276 (678) 231-2462 Connor Mordie, Officer NMLS ID #2709011 (904) 813-8188 License List Active States Florida (FL), Georgia (GA), Texas (TX) Restricted States Alaska (AK), California (CA), North Dakota (ND), South Dakota (SD), New York (NY) Investment Loans Only Offering business-purpose loans in: AL, AZ, AR, CO, CT, DE, HI, ID, IL, IN, IA, KS, KY, LA, TN, UT, VT, VA, WA, WV, WI, WY Also servincing: ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, OH, OK, OR, PA, RI, SC Equal Housing Opportunity We are dedicated to fair lending as an Equal Housing Opportunity broker. We strictly prohibit discrimination based on race, color, religion, sex, disability, family status, or national origin. Terms of Use and Disclaimer Website content is for information only and does not constitute a legal commitment to lend. - Loan approval not guaranteed - Terms subject to change - Final terms based on credit, property, and qualification Florida Regulatory Notice The Lending Lab LLC is regulated by the Florida Office of Financial Regulation. File a formal complaint with: Office of Financial Regulation (FL) 200 E Gaines St, Tallahassee, FL 32399 www.flofr.gov Security Policy We use advanced encryption for data protection. Note: No internet transmission is completely risk-free. Privacy Policy We protect your data. When you submit forms, we collect contact and financial details to: - Deliver loan services - Respond to inquiries - Enhance user experience We never sell your data. We only share info with trusted partners to process your loan request. Truth in Lending Disclosure Rates and payment examples are for illustrative purposes and not official quotes. - Rates change daily - Terms depend on LTV and credit - Final APR disclosed upon qualification Communication Consent By submitting info, you agree to receive follow-ups via: - Phone calls - Email alerts - SMS texts Standard rates apply. Text STOP to opt out anytime.

Our Story The Lending Lab provides data-driven financing built for speed and strategy. We help investors move faster and close with confidence. What we do:• Rental property loans Fix & flip financing Portfolio expansionScale smarter with a seamless, efficient lending experience tailored to your needs. Scale Your Portfolio We provide flexible funding to help you grow. Solutions for Rental properties Fix & flip projects New construction Value-add investments Your National Funding Partner The Lending Lab is a trusted partner for investors and brokers nationwide. We focus on speed and simplicity so you can scale efficiently. Why choose us? Advanced tech systems Investor-first approach Superior local service Mission We provide fast, reliable financing to empower investors. Grow your portfolio, improve cash flow, and build wealth with ease. Vision Leading the industry by connecting investors, tenants, and service providers across single-family and multi-family markets. Our Pillars Speed with Purpose We deliver fast and reliable solutions to help you capitalize on opportunities and build long-term wealth quickly. Total Transparency Honest communication and clear numbers. We never hide any fees. Simple Processes We eliminate complexity to make your financing feel stress-free. Strategic Advice We go beyond funding. We guide and support your long-term growth. Trusted Reliability Count on consistent execution and service for every deal. Growth Minded We adapt to the market to help you scale without any limits.

* The stronger your deal, the better your terms Fix & Flip Loans Fund, Renovate, Profit Fix & Flip loans are short-term, asset-based loans designed for real estate investors who want to move quickly, add value, and maximize returns without the limitations of traditional financing. APPLY NOW CONTACT A LOAN OFFICER Property flippers Ideal for investors looking to buy, renovate, and quickly resell for profit. Value-add investors Perfect for those who improve properties to increase value and maximize returns. Builders and rehab specialists Designed for experienced professionals handling renovations, construction, or major upgrades. Why Fix & Flip Loans How It Works Exit the Deal STEP 4 Sell for profit or refinance into a rental loan Purchase the Property STEP 1 Based on current value Draws released as work is completed Rehab funds included STEP 2 Renovate to maximize resale potential Increase Property Value (ARV) STEP 3 Why Fix & Flip Loans Based on current value Fund the Renovation Draws released as work is completed Increase Property Value (ARV) Purchase the Property Renovate to maximize resale potential STEP 1 STEP 2 STEP 3 What You Can Expect Up to 90% of purchase price (LTC) Rehab funds included Based on After Repair Value (ARV) No traditional income verification required in many cases Finance a large portion of the deal, reducing the cash you need upfront. Covers renovation costs, so you can focus on adding value to the property. Loan is structured around the property’s projected value after improvements. Approval often focuses more on the deal and property, not just your personal income. Turn rundown into run-up profits We simplify the process and help you move forward with confidence Deal analysis support (ARV, costs, profit margins) Fast approvals to stay competitive Clear funding structure and timelines Investor-focused guidance every step of the way

Measure Your Rental Property Cash Flow Instantly analyze if your deal qualifies based on income not your job. The DSCR is one of the most important metrics in real estate investing. It tells you whether a property generates enough income to cover its debt obligations. What Is DSCR? DSCR stands for Debt Service Coverage Ratio. It measures: In simple terms: Does this property pay for itself? Not Sure If Your Deal Qualifies ? Send it over we’ll calculate your DSCR and break it down for you GET YOUR QUOTE Rental Income vs Loan Payments TALK TO A LOAN OFFICER

* Must be located in a USDA-eligible area USDA LOAN Affordable Homeownership with Zero Down USDA loans, backed by the U.S. Department of Agriculture, are designed to make homeownership more accessible in rural and suburban communities offering 100% financing and flexible guidelines for qualified buyers. APPLY NOW CONTACT A LOAN OFFICER Why USDA Loans 0% Down Payment Finance the full purchase price no large upfront cash needed Lower Mortgage Insurance Costs More affordable than many low down payment options Competitive Interest Rates Designed to keep monthly payments manageable Flexible Credit Requirements Easier qualification compared to conventional loans Who Is This For First-time homebuyers Perfect for buyers looking to purchase their first home with no down payment required. Moderate to low-income households Designed to help families meet income eligibility while making homeownership more affordable. Buyers open to suburban or rural areas Homes must be located in USDA-eligible areas, typically outside major city centers. Eligible Properties Primary residences only Must be used as your main home investment properties and vacation homes are not allowed. Single-family homes Standard detached homes that meet property and condition requirements. Some condos (must be eligible) Condominiums are allowed if they’re approved and meet program guidelines We don’t chase approvals we engineer them We simplify the process and help you move forward with clarity Check property eligibility fast Break down your monthly payment Guide you through income requirements Show you your best financing options

* No hard commitment just clarity Get Your Rate See What You Qualify For in Minutes No pressure. No commitment. Just real numbers tailored to your scenario. Whether you’re buying, refinancing, or investing, we’ll help you explore your rate options and financing strategy fast and simple. APPLY NOW CONTACT A LOAN OFFICER What You’ll Get Personalized rate estimate Get a customized rate based on your unique financial profile. Monthly payment breakdown See a clear estimate of your monthly costs, including principal, interest, taxes, and insurance. Loan options tailored to your goals Explore financing solutions designed around your needs and strategy. Guidance on next steps Get expert direction on how to move forward with confidence. Why Work With Us Fast, data-driven rate estimates Get accurate numbers quickly, powered by real-time data. Investor-friendly loan options Built for real estate investors with flexible, deal-focused solutions. Transparent numbers, no surprises Clear breakdowns so you know exactly what to expect from start to finish. Strategy + guidance, not just quotes We help you structure the deal, not just price it. What Happens Next We review your scenario We take a close look at your goals, finances, and deal details. Match you with the best loan option We identify the right programs tailored to your situation. Send your personalized rate + breakdown You’ll receive clear numbers so you can make an informed decision. Help you move forward No pressure just guidance when you’re ready to take the next step. No Impact to Your Credit We can provide estimates without affecting your score. Fast, data-driven rate estimates Investor-friendly loan options Transparent numbers no surprises Strategy + guidance, not just quotes The DSCR calculator measures whether a rental property's income covers its debt payments. Enter the monthly rent and your total PITIA (principal, interest, taxes, insurance, association fees) to get the ratio lenders actually look at. Most DSCR lenders want 1.25 or higher. Below 1.0 means the property loses money before you even factor in vacancies or repairs. Debt Service Coverage Ratio (DSCR) Calculator See if the property pays for itself. TRY OUR DSCR CALCULATOR