Sponsor equity
Additional sponsor or aligned co-sponsor capital.
Real estate capital intelligence
OWNERSHIP
GAP.
Capital for the space between approved and acquired.
A financeable property shouldn't die because the capital stack is incomplete.
Analysis and pathway coordination only. No guarantee of financing or funding.
Illustrative capital stack
$500,000 acquisition
DSCR senior loan (75%)$375,000
Sponsor capital (10%)$50,000
Remaining equity gap (15%)$75,000
Closing + reserve requirement$25,000
Total remaining capital need$100,000
All figures are fictional and illustrative. This analysis is not financing approval or a commitment of capital.
The constraint
The property works. The debt works. The equity gap doesn't.
A sponsor finds an income-producing property. Rental income supports the proposed DSCR loan, and the senior debt may cover most of the acquisition.
But 10–25%+ in equity, closing costs, and reserves can still stand between a financeable deal and ownership. Ownership Gap makes that missing layer visible, organized, and ready for the right third-party pathway.
A disciplined sequence
How Ownership Gap works
Move from scattered assumptions to a decision-ready capital plan.
01
Submit deal
Share the property, debt, sponsor cash, timing, and documents.
02
Verify numbers
Pressure-test income, costs, loan assumptions, and true cash to close.
03
Build capital stack
Map senior debt, sponsor capital, reserves, and the remaining gap.
04
Select appropriate funding path
Match the deal to lawful, lender-compatible external channels.
05
Close / track
Coordinate readiness, handoffs, conditions, and progress.
Pathway architecture
One gap. Several possible structures.
Availability depends on the deal, senior lender requirements, provider criteria, and applicable law.
Seller financing
A negotiated layer where permitted and accepted by the senior lender.
Private / subordinate debt
Structured only where senior documents and applicable law permit.
Reward / community campaign
Non-investment support for suitable place-based projects.
Regulated securities offering
Third-party registered infrastructure when contributors expect financial return.
Grants / incentives
Public, preservation, economic-development, or project-specific programs when applicable.
Concept imagery
101
W. Commerce Street
Case study #001 · Pilot
The Aberdeen 100
A reward and community-support model for a historic hospitality redevelopment in Aberdeen, Mississippi—not an investment offering.
$100K
Campaign goal
$75K
First milestone
Right fit over repetition
Not every gap is the same.
A stabilized rental acquisition and a historic hospitality redevelopment should not be forced through the same capital solution.
Stabilized rental
Emphasize verified rent, DSCR, lender conditions, sponsor liquidity, and a simple close plan.
Place-based redevelopment
May call for incentives, community rewards, preservation support, or regulated infrastructure.
Sponsor workspace
Know what is ready—and what is not.
A clear view of underwriting inputs, capital need, documents, and next actions.
Deal readiness
Commerce Street
Value
$500K
Rent
$5,250
DSCR
1.31x
Senior LTV
75%
Sponsor cash
$50K
Gap
$75K
Status
Packaging
Documents
9 / 12
Sponsor services
Decision support for the full capital-readiness process.
Role clarity
What we do—and what we don't do.
What we do
- Analyze deal readiness and capital needs
- Organize information and supporting documents
- Package the capital stack
- Identify potential funding pathways
- Coordinate with third-party professionals
What we don't do
- Originate or approve loans
- Guarantee capital or a closing
- Hold investor or contributor funds
- Provide legal, tax, or investment advice
- Sell securities unless later handled through properly registered parties
Funding sources must be approved by the senior lender where applicable.
For capital providers
See structured opportunities, not mystery deals.
A future workspace for qualified capital partners to review organized, appropriately routed opportunities. Prototype only; no investments or transactions occur here.
Legacy Roots Builders
Funding and portfolio guides for the first conversation.
Use two practical partner resources to compare common financing categories, typical document requests, and portfolio-building pathways before creating a private deal record.
FAQ