Short answer:
Before-and-after documentation—especially photos—is critical in rehab lending. It protects both the borrower and the lender, supports draw requests, and builds trust through transparency.
Whether you're flipping a home in Dallas or renovating a duplex in Collin County, documenting your project the right way can be the difference between smooth funding and costly delays.
When you borrow from a private lender like Silverton Capital to renovate a property, you're usually getting a draw-based loan. That means:
To release those rehab funds, your lender needs proof that the work has been done—and done right. That’s where documentation comes in.
But it's more than just a formality. It helps you:
Here’s what most private lenders require during a rehab project—especially when you’re requesting a draw.
Photos are the gold standard of documentation. They show the visible transformation and serve as timestamped proof of progress.
Best practices include:
At Silverton Capital, we often process draws faster when the documentation is clean and easy to follow.
Lenders want to see that money is being used as intended—on legitimate labor and materials. Always keep:
If you're working with licensed pros, request invoices with line items. It helps support your draw request and shows that you’re managing the project professionally.
Your original Scope of Work (SOW) is the baseline. As you move through the project, update it as needed.
Your lender may ask for:
This level of communication helps prevent confusion and keeps your funding on track.
Here’s how it plays out in real life:
Without documentation:
You request a $15,000 draw for bathroom and kitchen updates. But there are no receipts, and the photos are blurry or missing. The lender delays funding until they can verify the work.
With proper documentation:
You submit clear before-and-after shots of new tile, cabinetry, and fixtures—along with two contractor invoices. The draw is approved and released within 48 hours.
Speed matters. Good documentation speeds up funding, keeps crews paid, and avoids stalling your flip.
You’re not just documenting for your lender—you’re creating marketing materials for your future buyer.
Agents love before-and-after shots because:
Plus, if you’re working toward a refinance or BRRRR strategy, these records will help appraisers and long-term lenders understand the value you've added.
We understand the pace and pressure of rehab projects in Dallas, Tarrant, and Collin counties—because we fund them every day.
At Silverton Capital:
Whether you’re flipping your first house or managing multiple projects, we work with you to make funding seamless and documentation straightforward.
Apply now to get started with a lender who respects your hustle and keeps your project funded.
You don’t need to be a pro photographer or a spreadsheet wizard—but you do need to document your flip like it’s a business (because it is). The right photos, receipts, and updates make your lender more confident—and your project more profitable.
So before you swing that first hammer, grab your phone and take the shot. You’ll be glad you did.
Need a draw-friendly rehab lender you can count on?
Apply with Silverton Capital for fast, transparent rehab loans in Dallas, Tarrant, and Collin counties.
This article is for informational purposes only and is not intended to serve as legal, financial, or investment advice. Please consult with a licensed professional before making financial decisions.