You've got a drawer full of files that almost worked.

Send us one. We'll try to hand it back to you as a loan you can close. If we can't, we'll fund it — and you still get paid.

Send one file

Costs you nothing. You keep the borrower either way.

Two things can happen. You win in both.

Channel 1 — It qualifies. We find the fix. If it becomes bankable, it goes straight back to you as your paper, with your borrower, on your commission.

Channel 2 — It doesn't. If it can't be made bankable, Origins can fund it — and you're paid a 25-basis-point referral fee at close. You keep the relationship.

We try to give the loan back before we ever take it.

Real example — what a pass looks like in writing

Redacted sample. Property address partially masked. All financial figures and reasoning are original.

Your Op2 Origins Deal Review

Subject property: [address redacted], rural Hays, NC

After a full review of [address redacted], Hays, NC, this is not a deal Op2 Origins will move forward on financing as currently structured.

The property is a geodesic dome short-term rental on approximately 11 acres in a rural market. The requested financing is $328,000 (80% of $410,000 acquisition price). Base-case DSCR of roughly 1.13x. We were not able to find sufficient comparable sales to support the $700,000 estimated ARV, and the repair estimate and property description do not align.

"This is a pass on the deal as submitted, not on you or the opportunity in principle."

The same format — analysis report + written decision — comes back on every file.

Send one file

Every file comes back with a written underwriting output — comps, risk flags, the case for and against.

Send one file