Nothing here is a promise.

No page here, and no reply to a submission, is an offer, a commitment, or an agreement to lend. Submitting a deal does not mean it will be funded, and receiving a term sheet does not mean a loan will close. Any deal can be declined, and anything said before closing can change as underwriting, valuation and title work develop.

A loan exists only when there are signed loan documents, and where anything on this site differs from them, the documents govern. Losing access to this site or the portal never changes a loan you already have.

Every figure is an illustration. Loan amounts, timelines and examples describe what is typical, not what is available on your deal. No rate, points figure or fee is quoted anywhere here; your numbers appear in your term sheet.

The calculators are estimating tools. This is an estimating tool. It runs arithmetic on the figures you enter using the assumptions stated above, and changing an assumption changes the answer. The result is not a quote, an approval, an appraisal, a valuation, or a prediction of what a property will sell for, and it does not commit anyone to lend. Costs, taxes and market conditions vary by location and change over time. Check the numbers that matter against your own contractor, agent and professional advisers before you commit to a deal. A calculator verdict is arithmetic on your own inputs, not an approval.

The guides are general information, not legal, tax, accounting, investment or financial advice. Check anything that matters with a professional who knows your situation. Real estate investing carries risk, including losing money.

Business purpose only. Lending here is for business purposes, secured by non-owner-occupied investment property, never for a home you live in or any personal, family or household purpose.

You must be at least 18. If you act for a company, you confirm you are authorised to bind it to these terms. Information and documents you submit must be accurate, genuine and yours to share.

Do not try to gain unauthorised access to the site or its systems, interfere with it, scrape it, or use false information. Keep your portal sign-in to yourself and tell us straight away if you think someone else has used it. Access to the site or portal can be suspended or ended at any time.

The content, design and calculators here belong to FBD MANAGEMENT LLC. You may read them, use them for your own deals and link to them, but not republish them as your own. Suggestions you send us may be used freely. Links to other sites are provided for convenience, and those sites are not our responsibility.

You agree to receive notices, documents and messages electronically, and that they satisfy any requirement to be in writing. An email notice counts as received 24 hours after it is sent. If you opt in to texts, message frequency varies, message and data rates may apply, and you can reply STOP to stop or HELP for help.

To the fullest extent the law allows, the site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. FBD MANAGEMENT LLC and the people working with it are not liable for lost profits, lost data, or any indirect, incidental, consequential, special or punitive damages arising from this site, and total liability for any claim about the site is limited to one hundred US dollars. This covers the website only; a loan is governed by its own documents. Nothing here limits liability that cannot lawfully be limited.

You agree to cover the reasonable costs, including legal fees, of any claim against FBD MANAGEMENT LLC or the people working with it that arises from your misuse of the site, your breach of these terms, or information you submitted that was false or not yours to provide.

This section covers disputes about this site, the portal and these terms. Disputes about a loan follow that loan's documents.

Talk first. Whoever raises a dispute sends a written description to the other: you to privacy@fundedbydaniel.com or Funded by Daniel, 1000 Brickell Ave, Miami, FL 33131, us to the email you gave us. For 60 days we will both try in good faith to settle it, by phone or video if either of us asks. If it is not settled in that time, either side may start arbitration.

Arbitration. Unsettled disputes are resolved by binding individual arbitration with JAMS under its Streamlined Rules (claims under $250,000) or Comprehensive Rules, in the county where you live or by video. The arbitrator decides questions about the scope, validity and enforceability of this arbitration agreement, except that a court decides challenges to the class action waiver, disputes about arbitration fees, and which version of these terms applies. The arbitrator can award the same individual relief a court could; the award is final, and judgment on it may be entered in any court with jurisdiction. Each side pays its own legal fees unless a claim is found frivolous. If 100 or more similar claims are filed by the same firm or coordinated group within 30 days, JAMS will group them into batches of 100, with one arbitrator and one set of fees per batch.

You and FBD MANAGEMENT LLC each give up the right to a jury or judge trial, and to bring or join any class, collective or representative action. Small claims and requests to stop misuse of intellectual property may still go to court. If the class waiver cannot be enforced for a claim, that claim goes to court and everything else stays in arbitration.

Opting out. Email privacy@fundedbydaniel.com or write to Funded by Daniel, 1000 Brickell Ave, Miami, FL 33131 within 30 days of first agreeing to these terms (or of 10 October 2026, if you agreed to an earlier version), with your name, email and a clear statement that you opt out of arbitration. Opting out changes nothing else in these terms. If any part of this section cannot be enforced, the rest still applies.

These terms may change; the date at the top changes when they do, and using the site afterwards means the current version applies. They are governed by Florida law and the Federal Arbitration Act, without regard to conflict of laws rules. Anything not arbitrated is heard in the state and federal courts for Miami-Dade County, Florida, and you and FBD MANAGEMENT LLC both consent to those courts, except that small claims may be brought in any small claims court with jurisdiction.

These terms and the privacy policy are the whole agreement about use of this site. You may not transfer them; we may, for example if the business is sold. If any part is unenforceable, the rest still applies, and not enforcing a part is not a waiver of it. See the accessibility statement for how the site supports everyone.

Questions go through the question form. Legal notices go to privacy@fundedbydaniel.com or by post to Funded by Daniel, 1000 Brickell Ave, Miami, FL 33131.