For builders & contractors
You know how to build.
Build the business around it.
You bring the construction expertise. Build the credit readiness, financial understanding, dependable systems and working relationships needed to run the whole project—from the first lender conversation to the final close.
Your building skills are the starting point.
Knowing the work on site does not automatically prepare you for underwriting, contracts, paperwork or managing every relationship around a deal. This program connects those responsibilities so you can plan the work, understand the numbers and communicate clearly as the business grows.
Client perspective / Earl
Build your understanding.
Then build your plan.
Earl describes his learning experience with Lamin’s Art of Underwriting program. His story speaks to the teaching behind the work; it is not a review of Builder Systems & Funding.
- 01Financing
- 02Relationships
- 03Process
Tell us your goals. We’ll arrange a call to discuss fit and pricing.
Personal experience. Results vary; no investment outcome is guaranteed.
The package
Your builder operating package
Build the understanding to make decisions, the frameworks to repeat good work, and the team capacity to carry the project through. Every program covers the foundations below; the assessment sets the depth and priorities for your starting point.
- 01
Credit readiness & a stronger borrower profile
Understand why good personal and business credit matters, what lenders look for, and which gaps need attention before applying. Organize credit information, existing obligations, liquidity and business records into a readiness action plan.
- 02
Lending numbers & project economics
Learn to read a term sheet and connect loan-to-cost, loan-to-value, after-repair value, equity, fees, interest, reserves and draw timing to your budget. Understand the cash you need at closing and throughout the build.
- 03
Timelines & dependencies
Map due diligence, financing, permits, construction, inspections, draws and the exit. Build realistic allowances for delays, assign milestone owners and understand how a late step changes carrying costs and cash needs.
- 04
Operating systems you can rely on
Create repeatable checklists, responsibility maps, budget reviews and reporting routines. Define what you handle, what you delegate, and how the team keeps work moving when you are on site.
- 05
Contracts, paperwork & clear communication
Organize scopes, bids, contract documents, insurance records, draw packages and change orders. Practice communicating deliverables, approvals, deadlines and issues in writing, with legal questions routed to your attorney.
- 06
Relationships & team accountability
Set expectations with lenders, trades, contractors, suppliers and closing professionals. Establish meeting rhythms, points of contact and escalation procedures so each person understands their role.
- 07
Due diligence & decision checkpoints
Evaluate the property, title, permits, site conditions, comparable sales, team credentials, budget and exit assumptions. Maintain an open-issues list and resolve critical questions before committing to the next stage.
The offer stack
What’s included (Offer stack)
You already build. This is the operating stack that turns permits and closings into bankable capacity — credit, credibility, coaching, and capital access in one package.
- 01
Credit & growth engine
The borrower profile — personal credit, business credit, and the visibility around the company.
- Personal credit repairValue $2,500
- Personal credit enhancement and strategic growthValue $3,500
- Business credit enhancement and strategic growthValue $5,000
- Business credibility and visibilityValue $4,000
- 02
Documents & banking
A file a bank can follow: the documents corrected, the bank relationships, and preferred lending relationships.
- Business document review, preparation, and correctionValue $3,500
- Business banking (3–4 bank relationship accounts)Value $2,500
- Preferred domestic and international lending relationshipsValue $10,000
- 03
Coaching & curriculum
A coaching calendar, the curriculum for underwriting a deal, and the bookkeeping course.
- One-to-one coaching for 3 months / 90 days (45-minute sessions)Value $9,000
- Weekly group call (1 hour)Value $3,600
- Full Art of Underwriting curriculum (how to underwrite any kind of deal)Value $5,000
- Builder’s bookkeeping courseValue $1,500
- 04
Access & tools
Where a deal can be taken, and the tools beside the file. Access is not an approval.
- Access to residential and commercial lendersValue $7,500
- Custom AI agent toolkitValue $5,000
- Access to $1.5M+ in lendingValue $15,000Access is not an approval.
Comparative stack totalValue $77,600
Comparative market value. Not a quote. Not tuition.
Personal experience. Results vary; no investment outcome is guaranteed. We confirm the scope, fee and schedule after reviewing your goals and current file. Submitting an assessment does not enroll you in a paid program.
The gate
Who qualifies (Criteria)
This is a working builders’ room. Bring proof of builds, a clean entity, and the hunger to scale — not a wish list. The six gates below are the whole test, including the license and a name that vouches for you.
- 01
At least 5 builds with permits, certificates of occupancy, or name on title/deed
- 02
Established LLC
- 03
Builder’s license
- 04
Integrity
- 05
Desire to learn and accelerate the business
- 06
Two letters of recommendation, and/or one referral from an existing community member
How it works
From individual strengths to a complete working framework.
- 01 / Assess
Show us where you are.
Share your goals, experience and project details. You can start before you have a property.
- 02 / Define
Agree on the work.
Review the gaps, priorities, deliverables, fee and schedule before engaging.
- 03 / Prepare
Build your working file.
Work through the numbers, documents and decisions. Establish checklists, communication routines and team responsibilities you can use on your project.
Project budgets and draw planning are included in the operating discussion. For hands-on bookkeeping and monthly close, explore our separate Builder Book Management program. Tax preparation remains with your CPA.
Before you start
Your questions, answered.
Do I need perfect credit or experience in every area?
No. The assessment starts with the strengths you already have and identifies the gaps. Each program addresses good credit habits, financing readiness and the wider project process. Credit requirements depend on the lender and transaction; participation does not guarantee a score improvement or approval.
Do I need a property under contract?
No. We can begin with readiness and project criteria. Financing review will require a specific project and supporting documents.
Will you handle my books?
Builder Systems & Funding focuses on operating readiness. Our separate Builder Book Management program offers construction bookkeeping and monthly reporting. Tax filing remains with your CPA.
Does the program include a loan approval?
No. We help organize the file and evaluate financing fit. Any loan is separately underwritten and subject to lender requirements.
What does the program cost, and how long does it take?
We confirm the scope, fee and schedule after reviewing your goals and current file. Submitting an assessment does not enroll you in a paid program.
What happens after I submit?
FNF reviews your application and follows up to discuss fit, missing information and the next step. Any financing or professional engagement has its own approval and agreement.