Your Financing Fell Through. Your Deal May Still Close.

When investors call the Second Look Desk

You had approval — or you thought you did. Then underwriting changed the leverage, the appraisal came in light, experience requirements kicked in, or the lender went quiet three days before wire. These failures happen on fix-and-flip, bridge, DSCR, and new construction files every week. The question is not whether financing failed; it is whether a different structure can still work on the same asset.

Why the first lender says no (and what can change)

• Declined outright — credit, liquidity, experience, or property type outside their box
• Reduced leverage — LTC, LTV, or DSCR cut after review or appraisal
• Rate and fee creep — terms moved enough to kill the spread
• Appraisal gap — as-is or ARV below what the file was priced on
• Timeline failure — lender cannot hit your closing date
• Lender backed out — approval expired, capital dried up, or they stopped responding

A Second Look is not a magic reset. It is a fresh underwriting pass on the deal — collateral, exit, and liquidity — with programs built for investors who need speed and asset-based decisions. See hard money loan denied, DSCR loan denied, and fix-and-flip financing fell through for problem-specific guides.

When the deal can still be saved

Rescue is realistic when the economics still work at achievable leverage — not when the purchase price is wrong for any lender. If ARV, rent, or resale exit supports the loan at realistic LTC/LTV, and you can document liquidity for closing costs and reserves, a Second Look is worth running before you release the contract.

Urgent closes (48 hours to 10 days) get prioritized when the file is complete: contract, scope, entity docs, bank statements, and the original term sheet or decline letter if you have it.

What to submit

1. Property address and purchase contract (or PSA for wholesale end-buyer scenarios)
2. What went wrong with the original financing
3. Original term sheet, approval, or decline summary — upload on the form
4. Scope and budget for rehab or ground-up deals
5. Target close date
6. Entity name and contact phone

New to Jaken? You can also browse loan programs or use the deal-type picker — but if you are rescuing a failed file, go straight to the Second Look form.