Tell us about your housing development. We'll review your intake and match you with interested funders.
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Project basics
2
Financials
3
Documentation
4
Community narrative
5
Review & submit
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Project basics
Tell us about what you're building
Step 1 of 5
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Loan request & project costs
What you need and what it costs to build
Loan-to-cost (LTC)—
Equity contribution—
Traditional banks require LTC ≤ 80% and borrower equity of 20%+. Missing Middle Marketplace funders may consider up to 90% LTC for projects with strong community impact or experienced developers.
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Repayment & exit strategy
How and when funders get repaid
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Income & debt analysis
Borrower financial health and project cash flows
Est. annual interest cost—
Debt service coverage ratio (DSCR)—
Traditional lenders require DSCR ≥ 1.25x. Community funders may accept 1.0–1.25x for mission-aligned projects. Owner-occupied projects are evaluated on personal income instead.
Step 2 of 5
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Required documents
What traditional lenders always need
ID
Government-issued ID
Driver's license or passport for all borrowers
Required
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2 years personal tax returns
IRS Form 1040 — all pages and schedules
Required
W2
W-2s or 1099s (2 years)
For all income sources including self-employment
Required
BK
Bank statements (3 months)
All accounts showing down payment funds and reserves
Required
CR
Credit authorization
Signed consent for platform to pull credit report
Required
PP
Property documentation
Purchase contract, deed, or title report for project site
Required
PM
Permits & zoning approval
Issued building permit or approved application
Required
BP
Construction budget & schedule
Itemized cost breakdown and project timeline
Required
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Strongly recommended
Significantly improves funder confidence
GC
General contractor bid / contract
Signed contract or 2–3 competitive bids from licensed GCs
Recommended
AP
Appraisal or comp analysis
As-completed value estimate or comparable sales analysis
Recommended
AR
Architectural plans / renderings
Floor plans, elevations, or site plan
Recommended
IN
Insurance commitment letter
Builder's risk insurance commitment from carrier
Recommended
EX
Prior project portfolio
Photos or documentation of past construction or renovation work
Recommended
RE
Refinance pre-qualification letter
Evidence from a lender that you can refi out of the construction loan
Recommended
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Optional — builds trust with community funders
What non-institutional investors care about most
NB
Neighborhood letter of support
From a neighborhood association, HOA, or local organization
Optional
AF
Affordability commitment or deed restriction
Legal commitment or AMI documentation for affordable units
Optional
PH
Site photos
Current condition photos of the lot or structure
Optional
VD
Short intro video (2 min max)
Tell your story — who you are, why this project matters to your community
Optional
Step 3 of 5
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Your community story
What traditional banks never ask — what community funders care about most
Community funders — neighbors, local credit unions, CDFIs, and impact investors — often make decisions as much on story as on financials. A clear, honest narrative significantly increases your chances of funding.
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Impact metrics
Help funders quantify the community benefit
Step 4 of 5
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Application summary
Review before submitting to Missing Middle Marketplace
Project basics
Project name
Maple Street Duplex
Type
Duplex — new construction
Location
Bozeman, MT
Units
2 (1 owner-occupied, 1 rental)
Financials
Loan requested
$360,000
Total project cost
$450,000
Loan-to-cost
80% — meets threshold
Rate / term
8.5% · 18 months
Application strength
Financial readinessStrong — 82/100
Documentation completenessGood — 2 docs pending
Community impact clarityStrong — 88/100
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LTC at 80% — meets standard lending threshold
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18-month term with refi exit strategy documented
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GC contract not yet uploaded — strongly recommended before going live
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Appraisal not uploaded — consider adding to build funder confidence
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Community narrative complete — local need clearly articulated
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Impact metrics provided — 2 units, 1 below-market
By submitting, you agree that Missing Middle Marketplace may share your application with verified funders. Your personal financial data is kept confidential. Funders only see the project overview until they sign an NDA and are approved by our team.