Underlytix is not a hard money lender — we score your deal's fundability, then match you to the lender in our network whose criteria you meet. West Palm Beach investors get a real answer in about 60 seconds, not a week of cold calls.
Search results are full of outdated directories, dead-end quote forms, and lenders who won't quote real terms until you've already handed over your information. Meanwhile the deal you're trying to fund doesn't wait.
Lender lists get out of date within months — wrong contact info, lenders who no longer serve Palm Beach County, or programs that changed without the listing updating.
Many lenders won't disclose real rate, points, or loan-to-cost until after you've submitted a full application — by then you've already spent the time.
Offer deadlines land Friday night and Saturday morning. Loan officers answer Monday. By then the deal is gone.
Enter the purchase price, rehab or project budget, and ARV. Underlytix runs the deal against the criteria hard money lenders actually underwrite on — not a generic mortgage calculator.
Checked against the ranges real hard money lenders in the Underlytix network actually fund at, not a flat rule of thumb.
Sell or refinance, first deal or fiftieth — Underlytix flags what a lender will want to see before they'll quote real terms.
Fundable deals are routed to the lender in the network whose criteria the deal meets — points, rate, and term included.
The lenders in the Underlytix network actively fund deals across West Palm Beach and the rest of Palm Beach County, including:
Purchase price, project budget, ARV, and your experience level. Under 3 minutes, no documents required.
A 0-100 score against real hard money underwriting criteria, plus specific structuring flags if the deal needs adjustment.
Qualifying deals are routed to the lender in the Underlytix network whose criteria the deal meets — no cold-calling a list of loan officers.
| Score it first | Cold-call a lender list | |
|---|---|---|
| Time to a go/no-go | ✓ ~60 seconds | Days, sometimes into next week |
| Weekend offer deadlines | ✓ Answered same day | ✗ Loan officers off until Monday |
| Real terms upfront | ✓ Modeled before you apply | Often withheld until application |
| Lender fit | ✓ Matched to criteria before you apply | ✗ Trial and error across lenders |
Underlytix is pre-application intelligence, not a lending commitment — no approvals are issued here. It tells you which West Palm Beach deals are worth pursuing so you're not the investor still waiting on an answer when the next offer comes in.
Free, no credit card, results in about 60 seconds. If it doesn't qualify yet, you'll know exactly what to change.