PERMITOS FIELD GUIDE
What lenders need in a development feasibility package
A lender-ready package should organize the borrower's project around the lender's actual checklist rather than promise that one generic report guarantees financing.
Updated September 22, 2026 · Ryze Property Solutions LLC1. Describe the project and request
State the parcel, ownership, proposed development, phase, schedule, financing purpose, requested amount and repayment plan.
2. Reconcile sources and uses
Show land, hard costs, site work, utilities, professional fees, financing costs, contingency, reserves, borrower equity and requested debt.
3. Support revenue and operating assumptions
Document pricing, rents, occupancy, absorption, ancillary income, operating expenses and stabilization timing with appropriate market evidence.
4. Calculate underwriting measures
Present NOI, DSCR, LTC, LTV, break-even occupancy, development yield and cash requirements using clearly labeled assumptions.
5. Stress the project
Show the effect of cost increases, delays, lower revenue, slower absorption, higher vacancy, interest-rate changes and lower exit value.
6. Track independent reports
Identify appraisal, environmental, engineering, survey, title, architecture, market-study and legal materials, including who orders and relies upon each document.
7. Confirm lender-specific requirements
Obtain the lender's checklist and record remaining conditions. PermitOS can organize the package but cannot guarantee eligibility or approval.