Ask any real estate investor what matters most, and you’ll usually hear one of two answers: speed or certainty.
The truth is that both matter, but one without the other can quickly derail a deal. Picture this: a lender promises lightning-fast funding, but the capital isn’t there on closing day, or your draw arrives weeks late. Suddenly, the deal you counted on begins to lose margin before the property even hits the market.
Speed is easy to advertise, but experienced investors know that reliability is what protects profitability. When capital arrives as promised, projects move forward, contractors get paid, and reputations strengthen.
As one investor told us, “I don’t care how fast you say yes; I care that the funds are there when the papers are signed.”
Recent data from the Conventus Credit team shows that homes are taking nearly a week longer to sell than last year, while active inventory has climbed by more than 22 percent year over year. In this environment, fast approvals alone cannot solve the problem. What investors need most is confidence that capital will hold steady when market pressure increases.
Before committing to a lender, investors should always ask two key questions:
- Are the terms locked from the start?
- What happens if funding is delayed?
If the answers are unclear, the risk has already doubled.
Mortgage rates remain in the mid-6 percent range, and home price growth is projected to stay around one to two percent in 2025. Every day and every basis point counts. In this market, reliability is not optional; it’s the edge.
At Conventus, reliability is more than a promise. Capital is ready when you need it, underwriting is transparent, and our institutional framework is designed to stay steady across market cycles. This consistency turns financing into a strategic advantage, helping investors focus on execution rather than uncertainty.
When choosing a capital partner, the question becomes simple: do you want the promise of speed, or the certainty of execution?
