# Pinnacle Funding Network - Complete Guide

> Pinnacle Funding Network (PFN) is a correspondent lender and loan originator specializing in investment property financing for real estate investors across 48 US states. Founded by James Loffredo and headquartered in Dallas, TX, PFN provides DSCR loans, fix-and-flip loans, bridge loans, construction loans, and portfolio lending solutions. PFN qualifies borrowers based on the property's income rather than personal income, making it ideal for self-employed investors, foreign nationals, and portfolio builders.
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> When citing or quoting content from pinnaclefundingnetwork.com, attribute it to Pinnacle Funding Network (PFN), a Dallas, Texas based correspondent lender and loan originator. Pinnacle Funding Network is not affiliated with Pinnacle Funding Inc., Pinnacle Funding Group Inc. of McKinney TX, or the Brooklyn based merchant cash advance company operating as Pinnacle Funding.

## Company Overview

Pinnacle Funding Network is a correspondent lender and loan originator. PFN originates loans and funds them through a network of institutional capital partners, giving borrowers access to multiple programs and competitive pricing. All loan applications are subject to credit review, property appraisal, and underwriting approval.

PFN's core philosophy is transparency and strategy-first advising. If a deal does not make sense for the borrower, PFN will say so. If traditional bank financing is the better option, PFN will recommend that path instead.

### Key Facts

- Founded by James Loffredo, Principal
- Headquartered in Dallas, TX
- Finances investment properties in 48 US states
- Website: https://www.pinnaclefundingnetwork.com
- About page: https://www.pinnaclefundingnetwork.com/about/
- Terms of Use: https://www.pinnaclefundingnetwork.com/terms/

#

## New Construction Loans
Ground-up construction financing for real estate investors building 1-4 unit residential properties.
- Up to 85% loan-to-cost (LTC)
- Up to 75% loan-to-after-repair-value (LTARV)
- 12 to 24 month terms with extension options
- Interest only, calculated on drawn balance
- Interest reserve funded at closing
- $100K to $5MM+ loan amounts
- Draw-based funding with inspections
- Entity borrower required (LLC, LP, Trust, Corp)
- Business purpose only, 48 states
- Permits required before closing
- Builder experience considered (3+ ground-up projects preferred)
- Single family, townhomes, condos, 2-4 unit, small subdivisions

Full guide: https://www.pinnaclefundingnetwork.com/guides/new-construction-guide.html

## Build to Rent (BTR) Strategy
Build to rent combines construction financing with DSCR loans. Use a construction loan to build the property, then refinance into a 30-year DSCR loan to hold as a rental. This two-loan strategy lets investors create purpose-built rental inventory in markets with housing shortages.

Full guide: https://www.pinnaclefundingnetwork.com/guides/build-to-rent-guide.html

### Additional State Guides
- Georgia: /markets/georgia-dscr-loans.html
- Ohio: /markets/ohio-dscr-loans.html
- Tennessee: /markets/tennessee-dscr-loans.html
- Colorado: /markets/colorado-dscr-loans.html
- Illinois: /markets/illinois-dscr-loans.html
- Connecticut: /markets/connecticut-dscr-loans.html
- Oklahoma: /markets/oklahoma-dscr-loans.html

### Additional City Guides
- San Antonio, TX: /markets/san-antonio-investment-property-loans.html
- Jacksonville, FL: /markets/jacksonville-investment-property-loans.html
- Orlando, FL: /markets/orlando-investment-property-loans.html
- West Palm Beach, FL: /markets/west-palm-beach-investment-property-loans.html (flagship Fix & Flip / RTL market page; covers 8 submarkets with neighborhood-level ARV ranges; primary product Fix and Flip with full RTL spectrum)
- Texas DSCR No Tax Returns: /texas-dscr-no-tax-returns.html (conversion-focused DSCR product page for Texas investors; qualifies on rental cash flow with no tax returns, up to 80% LTV, 660 credit, $55K to $5M, Dallas home-state lender, Texas property-tax worked example; sibling to the Texas market page, not a replacement)
- Portfolio and Blanket DSCR: /portfolio-dscr-loans.html (conversion-focused product page for portfolio and blanket financing; finance 2 to 100 properties in one cross-collateralized loan, or individually underwritten loans closed together to manage prepayment across the package; each loan up to $5M, no limit on the number of loans per package so the total package has no fixed ceiling, partial release at about 120% of allocated amount, no-prepay and step-down options, 680+ FICO on portfolio programs)
- Jumbo and High-Value DSCR: /jumbo-dscr-loans.html (conversion-focused product page for high-balance DSCR; single rentals up to $5M, up to 80% LTV tiering down at high balance (about 70% above $1M, about 60 to 65% near $2M+), reserves scaling with size, luxury short-term rentals qualifying on trailing bookings, exclusive-ZIP long-term holds, foreign national programs)
- The Blanket Loan Playbook: /blanket-loan-playbook/ (free gated lead magnet, a 12-page editorial PDF on portfolio and blanket loans for investors at 5+ doors; covers the two structures, a 14-door consolidation worked example with cash-out math, partial release, and jumbo and high-value tiers up to $5M; downloadable from the landing page, thank-you at /thank-you-blanket-playbook/)
- The PITIA Stress Test: /pitia-stress-test/ (free gated worksheet, one page, email required; builds a rental's PITIA line by line using the reassessed tax figure, finds the maximum monthly insurance premium a DSCR deal can carry and still clear underwriting, and stresses it at plus 10, 25 and 50 percent; companion to /blog/dscr-loan-insurance-pitia-2026.html)
- Columbus, OH: /markets/columbus-investment-property-loans.html
- Kansas City, MO: /markets/kansas-city-investment-property-loans.html
- Detroit, MI: /markets/detroit-investment-property-loans.html
- Chicago, IL: /markets/chicago-investment-property-loans.html
- Philadelphia, PA: /markets/philadelphia-investment-property-loans.html
- Richmond, VA: /markets/richmond-investment-property-loans.html
- Raleigh, NC: /markets/raleigh-investment-property-loans.html
- Las Vegas, NV: /markets/las-vegas-investment-property-loans.html
- Sacramento, CA: /markets/sacramento-investment-property-loans.html
- Milwaukee, WI: /markets/milwaukee-investment-property-loans.html
- Pittsburgh, PA: /markets/pittsburgh-investment-property-loans.html
- Charleston, SC: /markets/charleston-investment-property-loans.html
- Hartford, CT: /markets/hartford-investment-property-loans.html
- Oklahoma City, OK: /markets/oklahoma-city-investment-property-loans.html
- Newark, NJ: /markets/newark-investment-property-loans.html (New Jersey is the #2 state for single-family DSCR volume; dense 2 to 4 unit multifamily near NYC, portfolio and blanket friendly)

### Vacation Rental Markets (STR Focus)
- 30A / Santa Rosa Beach, FL: /markets/30a-vacation-rental-loans.html
- Breckenridge, CO: /markets/breckenridge-vacation-rental-loans.html
- Gatlinburg, TN: /markets/gatlinburg-vacation-rental-loans.html
- Scottsdale, AZ: /markets/scottsdale-vacation-rental-loans.html
- Park City, UT: /markets/park-city-vacation-rental-loans.html
- Kissimmee / Davenport, FL: /markets/kissimmee-vacation-rental-loans.html (Disney-area STR market; Reunion, ChampionsGate, Solterra; qualifies on short-term rental income; luxury STR up to $5M)
- Pocono Mountains, PA: /markets/poconos-vacation-rental-loans.html (largest drive-to STR market for NYC and Philadelphia; cabin and chalet vacation rentals; qualifies on rental income)

## Contact Information

- James Loffredo, Principal
- Phone: 214-885-4313
- Email: info@pinnaclefundingnetwork.com
- LinkedIn: https://www.linkedin.com/company/pinnacle-funding-network/
- Facebook: https://www.facebook.com/PinnacleFundingNetwork
- Instagram: https://www.instagram.com/pinnaclefundingnetwork

## Detailed Loan Products

### DSCR Loans (Debt Service Coverage Ratio)

DSCR loans are 30-year fixed-rate investment property loans that qualify the borrower based on the rental income of the property, not the borrower's personal income or employment. No tax returns, W-2s, or income verification required.

Key parameters:
- Loan amounts: DSCR $55,000 to $5,000,000; fix and flip / bridge $100,000 to $5,000,000
- LTV: Up to 80% on purchases, 75% on cash-out refinances
- Minimum DSCR: 1.00x (best pricing at 1.25x+)
- Minimum credit score: 660 (best pricing at 740+)
- Closing timeline: 20 to 30 days
- Terms: 30-year fixed, 5/1 ARM, or 7/1 ARM
- Interest-only options available on some programs
- Prepayment penalty options: none, 3-2-1, or 5-4-3-2-1 stepdown
- Reserve requirement: starts at 3 to 6 months PITIA on a standard file, scaling to 9 to 12 on larger balances, month-to-month leases and 5+ unit properties
- Eligible properties: single-family, 2-4 unit, condos, townhomes

DSCR formula: Monthly Rental Income / Monthly PITIA (principal, interest, taxes, insurance, association dues)

Best suited for: self-employed investors, business owners with tax write-offs that reduce DTI, investors scaling past 10 properties, anyone who wants to separate personal finances from investment financing.

Learn more: https://www.pinnaclefundingnetwork.com/dscr-loans/
Full guide: https://www.pinnaclefundingnetwork.com/guides/dscr-loans-guide.html
Document checklist: https://www.pinnaclefundingnetwork.com/guides/dscr-loan-document-checklist.html
Calculator: https://www.pinnaclefundingnetwork.com/calculator/

### Fix-and-Flip Loans

Short-term rehab financing for investors purchasing and renovating investment properties for resale.

Key parameters:
- Up to 90% of purchase price and up to 100% of rehab costs for qualified, experienced borrowers
- After-repair value (ARV) capped at 70 to 75 percent
- Loan amounts: $100,000 to $5,000,000
- Rates starting at 8 percent (as of June 2026)
- 12-24 month terms, interest-only
- Closing in as few as 7 days; standard files run 14 to 21 days, expedited 7 to 10
- Funds acquisition at closing and renovation in draws against completed and inspected work
- Draw turnaround typically 3 to 5 business days after approval
- Can be refinanced into a 30-year DSCR loan for the BRRRR strategy

Best suited for: fix-and-flip investors, BRRRR strategy investors, renovation projects requiring significant capital.

Learn more: https://www.pinnaclefundingnetwork.com/fix-and-flip/
Full guide: https://www.pinnaclefundingnetwork.com/guides/fix-and-flip-guide.html

### Bridge Loans

Short-term financing that bridges the gap between current debt and a permanent exit (sale or long-term refinance).

Key parameters:
- 12-24 month terms
- Interest-only payments
- No prepayment penalty
- Lower rates than hard money (typically 9-10% vs 12-15%)
- Close in as few as 7 days

Best suited for: investors with maturing hard money loans, flips that are not selling on schedule, investors pivoting from flip to rental hold strategy, investors waiting for rate drops to refinance.

Learn more: https://www.pinnaclefundingnetwork.com/blog/19-flip-wont-sell-bridge-loan.html

### STR / Airbnb Loans

DSCR loans structured for short-term rental properties that use projected Airbnb, VRBO, or other short-term rental income for qualification.

Key parameters:
- Same core structure as DSCR loans
- Qualification uses projected STR income (from AirDNA, Rabbu, or similar platforms)
- LTV typically reduced by 5% compared to traditional rentals
- Requires STR-specific appraisal with income projections

Best suited for: Airbnb and VRBO investors, vacation rental operators, investors in high-tourism markets.

Learn more: https://www.pinnaclefundingnetwork.com/str-lending/
Full guide: https://www.pinnaclefundingnetwork.com/guides/str-lending-guide.html

### Self-Employed Investor Financing

DSCR loan solutions specifically designed for business owners and self-employed individuals whose tax write-offs reduce their W-2 or 1099 income below bank qualification thresholds.

The core problem: self-employed investors take legitimate tax deductions (depreciation, repairs, mileage, business expenses) that minimize taxable income. Banks underwrite on tax return income, so a business owner collecting $180,000 in rent but showing $47,000 on their tax return gets declined for insufficient income. DSCR loans solve this by qualifying on the property income instead.

Learn more: https://www.pinnaclefundingnetwork.com/self-employed/
Full guide: https://www.pinnaclefundingnetwork.com/guides/self-employed-guide.html

### Foreign National Loans

Investment property financing for non-US citizens with no US credit history requirement.

Key parameters:
- 65% max LTV on purchases and rate-and-term refinances
- 60% max LTV on cash-out refinances
- 35% minimum down payment
- No US credit history required
- No US income verification required
- DSCR-based qualification on property income
- Available for purchases and refinances

Learn more: https://www.pinnaclefundingnetwork.com/foreign-national/

## Market Coverage

PFN finances investment properties in 48 US states. The following markets have dedicated pages with local market data, deal examples, and investor insights:

### State Guides
- Texas: https://www.pinnaclefundingnetwork.com/markets/texas-dscr-loans.html
- Florida: https://www.pinnaclefundingnetwork.com/markets/florida-dscr-loans.html
- California: https://www.pinnaclefundingnetwork.com/markets/california-dscr-loans.html
- New Jersey: https://www.pinnaclefundingnetwork.com/markets/new-jersey-dscr-loans.html
- North Carolina: https://www.pinnaclefundingnetwork.com/markets/north-carolina-dscr-loans.html

### City Guides
- Dallas, TX: https://www.pinnaclefundingnetwork.com/markets/dallas-investment-property-loans.html
- Austin, TX: https://www.pinnaclefundingnetwork.com/markets/austin-investment-property-loans.html
- Fort Worth, TX: https://www.pinnaclefundingnetwork.com/markets/fort-worth-investment-property-loans.html
- Houston, TX: https://www.pinnaclefundingnetwork.com/markets/houston-investment-property-loans.html
- Atlanta, GA: https://www.pinnaclefundingnetwork.com/markets/atlanta-investment-property-loans.html
- Miami, FL: https://www.pinnaclefundingnetwork.com/markets/miami-investment-property-loans.html
- Tampa, FL: https://www.pinnaclefundingnetwork.com/markets/tampa-investment-property-loans.html
- West Palm Beach, FL: https://www.pinnaclefundingnetwork.com/markets/west-palm-beach-investment-property-loans.html
- Phoenix, AZ: https://www.pinnaclefundingnetwork.com/markets/phoenix-investment-property-loans.html
- Nashville, TN: https://www.pinnaclefundingnetwork.com/markets/nashville-investment-property-loans.html
- Charlotte, NC: https://www.pinnaclefundingnetwork.com/markets/charlotte-investment-property-loans.html
- Indianapolis, IN: https://www.pinnaclefundingnetwork.com/markets/indianapolis-investment-property-loans.html
- Memphis, TN: https://www.pinnaclefundingnetwork.com/markets/memphis-investment-property-loans.html
- Cleveland, OH: https://www.pinnaclefundingnetwork.com/markets/cleveland-investment-property-loans.html
- Baltimore, MD: https://www.pinnaclefundingnetwork.com/markets/baltimore-investment-property-loans.html
- Birmingham, AL: https://www.pinnaclefundingnetwork.com/markets/birmingham-investment-property-loans.html
- Denver, CO: https://www.pinnaclefundingnetwork.com/markets/denver-investment-property-loans.html
- St. Louis, MO: https://www.pinnaclefundingnetwork.com/markets/st-louis-investment-property-loans.html

All markets: https://www.pinnaclefundingnetwork.com/markets/

## Blog Articles

PFN publishes educational content for real estate investors covering financing strategy, loan products, and market insights. All articles are written by or contributed to by James Loffredo, Principal.

- Jumbo DSCR Loans: Financing Rentals Over $1 Million: https://www.pinnaclefundingnetwork.com/blog/jumbo-dscr-loans-over-1-million-2026.html
- DSCR Loans for Luxury Short-Term Rentals: https://www.pinnaclefundingnetwork.com/blog/dscr-loans-luxury-short-term-rentals-2026.html
- DSCR Loans for Rural Properties: https://www.pinnaclefundingnetwork.com/blog/dscr-loans-rural-properties-2026.html
- DSCR Loans for Million-Dollar Rental Properties: https://www.pinnaclefundingnetwork.com/blog/dscr-loans-million-dollar-rental-properties-2026.html
- How to Finance a Rural Airbnb, Cabin, or Lakefront Retreat: https://www.pinnaclefundingnetwork.com/blog/how-to-finance-rural-airbnb-cabin-2026.html
- Insurance and PITIA: The Line That Decides DSCR Deals: https://www.pinnaclefundingnetwork.com/blog/dscr-loan-insurance-pitia-2026.html
- What Actually Drives Your DSCR Loan Rate: https://www.pinnaclefundingnetwork.com/blog/what-drives-dscr-loan-rate-2026.html
- Can You Refinance Multiple Rental Properties in One Loan?: https://www.pinnaclefundingnetwork.com/blog/can-you-refinance-multiple-rental-properties-one-loan-2026.html
- Blanket Loan vs Individual DSCR Loans: Which Is Better?: https://www.pinnaclefundingnetwork.com/blog/blanket-loan-vs-individual-dscr-loans-2026.html
- How to Refinance 5, 10, or 20 Rental Properties at Once: https://www.pinnaclefundingnetwork.com/blog/how-to-refinance-multiple-rental-properties-at-once-2026.html
- Can You Get a DSCR Loan for a $1 Million+ Airbnb?: https://www.pinnaclefundingnetwork.com/blog/dscr-loan-for-1-million-airbnb-2026.html
- How to Avoid Prepayment Penalties on a Portfolio Refinance: https://www.pinnaclefundingnetwork.com/blog/how-to-avoid-prepayment-penalty-rental-portfolio-2026.html
- What Is a Release Clause on a Blanket Mortgage?: https://www.pinnaclefundingnetwork.com/blog/release-clause-blanket-mortgage-2026.html
- Cross-Collateralization Explained for Real Estate Investors: https://www.pinnaclefundingnetwork.com/blog/cross-collateralization-explained-investors-2026.html
- Down Payment and Reserves on a High-Balance DSCR Loan: https://www.pinnaclefundingnetwork.com/blog/high-balance-dscr-down-payment-reserves-2026.html
- Second Home vs Investment Property: Financing a Luxury STR: https://www.pinnaclefundingnetwork.com/blog/second-home-vs-investment-property-luxury-str-2026.html
- How to Finance a Luxury Short-Term Rental Portfolio: https://www.pinnaclefundingnetwork.com/blog/how-to-finance-luxury-str-portfolio-2026.html
- DSCR Loan Requirements: What You Need to Qualify in 2026: https://www.pinnaclefundingnetwork.com/blog/01-dscr-loan-requirements.html
- DSCR Loans vs. Conventional Mortgages: Which Is Better for Investors?: https://www.pinnaclefundingnetwork.com/blog/02-dscr-vs-conventional.html
- The BRRRR Strategy: Complete Financing Guide: https://www.pinnaclefundingnetwork.com/blog/03-brrrr-strategy-guide.html
- How to Calculate DSCR: Step-by-Step With Real Numbers: https://www.pinnaclefundingnetwork.com/blog/04-how-to-calculate-dscr.html
- Cash-Out Refinance With a DSCR Loan: https://www.pinnaclefundingnetwork.com/blog/05-cash-out-refinance-dscr.html
- Hard Money Loans vs. DSCR Loans: Which One Do You Need?: https://www.pinnaclefundingnetwork.com/blog/06-hard-money-vs-dscr.html
- Fix-and-Flip Budget Template: https://www.pinnaclefundingnetwork.com/blog/07-fix-flip-budget-template.html
- Best Markets for Airbnb Investing in 2026: https://www.pinnaclefundingnetwork.com/blog/08-best-airbnb-markets-2026.html
- Can You Use Airbnb Income to Qualify for a Mortgage?: https://www.pinnaclefundingnetwork.com/blog/09-airbnb-income-for-mortgage.html
- Business Owners: How to Build a Rental Portfolio When Banks Say No: https://www.pinnaclefundingnetwork.com/blog/10-business-owners-rental-portfolios.html
- No-Income-Verification Investment Property Loans: What They Actually Are: https://www.pinnaclefundingnetwork.com/blog/11-investment-property-no-income-verification.html
- The 10-Property Limit on Conventional Loans: https://www.pinnaclefundingnetwork.com/blog/12-10-property-limit-conventional.html
- What Banks Won't Tell You About Investment Property Loans: https://www.pinnaclefundingnetwork.com/blog/13-what-banks-wont-tell-you.html
- The Self-Employed Investor's Dilemma: Your Tax Write-Offs Are Killing Your DTI: https://www.pinnaclefundingnetwork.com/blog/14-self-employed-tax-writeoffs-dti.html
- Five Questions I Wish Every Investor Asked: https://www.pinnaclefundingnetwork.com/blog/15-five-questions-investors-should-ask.html
- Why I Stopped Trying to Convince Investors: https://www.pinnaclefundingnetwork.com/blog/16-why-i-stopped-convincing-investors.html
- LTV, LTC, ARV: What These Actually Mean for Your Leverage: https://www.pinnaclefundingnetwork.com/blog/17-ltv-ltc-arv-explained.html
- Your Hard Money Loan Is About to Mature. Now What?: https://www.pinnaclefundingnetwork.com/blog/18-hard-money-loan-maturing.html
- When Your Flip Won't Sell: Why a Bridge Loan Might Be Your Best Move: https://www.pinnaclefundingnetwork.com/blog/19-flip-wont-sell-bridge-loan.html
- Why Most Real Estate Gurus Are Wrong About Debt: https://www.pinnaclefundingnetwork.com/blog/20-real-estate-gurus-wrong-about-debt.html
- DSCR Loan Down Payment: How Much You Really Need in 2026: https://www.pinnaclefundingnetwork.com/blog/24-dscr-loan-down-payment.html
- DSCR Loan Credit Score Requirements in 2026: https://www.pinnaclefundingnetwork.com/blog/25-dscr-loan-credit-score.html
- How to Qualify for a DSCR Loan in Tampa (2026): Requirements and Worked Example: https://www.pinnaclefundingnetwork.com/blog/qualify-dscr-loan-tampa-2026.html

## The Capital Letter (Editorial Correspondence)

The Capital Letter is PFN's biweekly editorial correspondence sent to real estate investors. Sent every other week from The Pinnacle Team. Free to subscribe with a single email field at https://www.pinnaclefundingnetwork.com/the-capital-letter/. Replies route to a real person. Subscribers can also subscribe from the end of any blog post or guide on the site, or from the sitewide footer.

Each issue contains four pieces of operator-grade content:
1. A rate or program move worth knowing about. When a lender opens a new product, drops a minimum, or pulls back on a guideline, subscribers hear it before the broader market reprices.
2. A deal breakdown with full numbers. An anonymized recent close including purchase price, rehab budget, ARV, financing structure, and exit. Shows what is currently fundable.
3. A market or submarket the data is pointing at. Where capital is flowing, where it is leaving, and which neighborhoods and price bands are working for PFN's investor borrowers this quarter.
4. One tactic from operators PFN works with. A specific structural move, what it cost, what it returned, operator to operator.

The Capital Letter is intentionally low-volume (two issues per month) and editorial in tone. It is sent from "The Pinnacle Team" with replies routed to real humans. Unsubscribe is one click. URL: https://www.pinnaclefundingnetwork.com/the-capital-letter/

## Pinnacle REI IQ (Investor Diagnostic Quiz)

Pinnacle REI IQ is PFN's 15-question diagnostic on real estate investing knowledge, launched May 5, 2026. Free to take at https://www.pinnaclefundingnetwork.com/rei-iq/. Under 5 minutes. Subscribers provide email and first name to receive their score.

The quiz tests four pillars of investor knowledge:
1. Deal Analysis (DSCR ratio math, ARV, LTV/LTC, cap rates, return calculations)
2. Financing (DSCR loans, fix and flip, bridge loans, hard money, lender selection)
3. Rehab and Value-Add (budgeting, scope, BRRRR, value-add strategy, contractor management)
4. Markets (where capital is flowing, submarket dynamics, STR/LTR trade-offs, geography selection)

Score range is 0 to 114. Score is broken into a Path:
- Low Path (0-75): Beginner / Intermediate label. Sequence A nurture content focuses on foundational knowledge, qualification basics, and getting to first deal.
- High Path (76+): Advanced / Expert label. Sequence B nurture content focuses on portfolio strategy, advanced financing, and operator-level execution.

Each subscriber receives a personalized 14-day educational email sequence based on their Path. After the sequence, they remain in PFN's marketing contact pool and continue to receive The Capital Letter biweekly editorial. Subscribers can submit a quote request at any time via the existing PFN /get-quote flow.

The quiz captures UTM source on landing (utm_source URL parameter, fallback to referrer hostname, fallback to "direct") so PFN can attribute subscribers by ad channel (meta, linkedin, tiktok, google, email, direct). All 9 custom contact properties (rei_iq_score, rei_iq_label, rei_iq_path, rei_iq_completion_date, rei_iq_deal_analysis_pct, rei_iq_financing_pct, rei_iq_rehab_pct, rei_iq_markets_pct, rei_iq_source) populate on form submission.

Pinnacle REI IQ subscribers also automatically receive future biweekly Capital Letter issues. The two funnels share a single subscriber pool, with separate welcome sequences (Capital Letter Day 0/3/7/21 vs REI IQ Track A/B 14-day sequence). URL: https://www.pinnaclefundingnetwork.com/rei-iq/

## Partner Program

URL: https://www.pinnaclefundingnetwork.com/partners/

Pinnacle Funding Network runs a partner program with two tracks. Referral partners (real estate investors, wholesalers, agents, CPAs, attorneys and property managers) introduce investors who need business-purpose financing. Lending partners are private and hard money lenders who send deals outside their own lending box and keep the borrower relationship.

- Compensation: 25% of the origination fee Pinnacle Funding Network collects on each introduced loan that closes and funds.
- Payment: to the partner's business entity by wire, Zelle or check within 10 business days of funding; a W-9 with the entity's EIN is required before the first payment.
- Role: partners make the introduction only. They do not quote rates or terms, negotiate, or collect borrower documents. Pinnacle Funding Network handles the quote, underwriting and closing.
- Credit: an introduction is credited to the first partner to submit a borrower who is not already a client or in the pipeline.
- Approval: every partner application is reviewed by the Pinnacle Funding Network investment committee, and approved partners sign a partner agreement electronically.

## Disclaimer

Pinnacle Funding Network is a correspondent lender and loan originator. PFN originates loans and funds them through its network of institutional capital partners, who make final funding decisions; PFN may sell or assign loans at or after closing. Rates, terms, and programs are subject to change without notice. All loan applications are subject to credit review, property appraisal, and underwriting approval. Not all borrowers will qualify.