Phoenix, AZ · MB#0905749
RL
Operations Overview
Command Dashboard
Wednesday, April 8, 2026 · Q2 2026
⚠
3 loans maturing within 30 days — immediate review required. Loans CC-2024-007, CC-2024-011, CC-2024-015.
✉
Emails briefing ready — 7 actions identified from 23 overnight emails. 2 docs matched, 1 draw request flagged, 1 new inquiry from Ironwood Capital.
Capital Deployed
$47.2M
24 active loans
↑ 12% QoQ
YTD Originations
$18.9M
9 loans funded
↑ 8% vs prior yr
Active Pipeline
$14.3M
12 deals in progress
→ Steady
Maturing ≤ 30 Days
$8.1M
3 loans at risk
Action required
Avg Loan Size
$1.97M
Across active portfolio
↑ from $1.72M
Delinquent Loans
2
$3.9M total · 30–60 DPD
Extension Requests
3
Pending CEO decision
Missing Documents
3
Loans with open doc items
Tasks Due Today
7
3 urgent · 4 standard
● Maturing in 30 Days 3 Loans · $8.1M
CC-2024-007 · Central Ave
Apr 20, 2026
$1.85M
CC-2024-011 · Shea Blvd
Apr 29, 2026
$3.20M
CC-2024-015 · Mill Ave
May 7, 2026
$3.05M
● Maturing in 60 Days 3 Loans · $5.9M
CC-2024-047 · Arcadia Ln
May 15, 2026
$2.10M
CC-2025-003 · Thunderbird
Jun 5, 2026
$2.44M
CC-2025-007 · 48th St
Jun 5, 2026
$618K
● Maturing in 90 Days 3 Loans · $5.95M
CC-2025-008 · Camelback
Jun 15, 2026
$2.83M
CC-2025-011 · 7th St
Jul 10, 2026
$2.37M
CC-2025-014 · Thomas Rd
Jul 14, 2026
$755K
Pipeline Snapshot
Deal Borrower Type Amount LTV Stage
1847 E Camelback Rd
CC-2026-012
 Marcus & Rivera LLC Multi-Family $2,450,000 68% Underwriting
3201 N 16th St
CC-2026-013
 Sonoran Dev Group SFR $618,000 72% Term Sheet
7800 E McDowell Rd
CC-2026-014
 Pinnacle Capital AZ Retail $1,200,000 74% Approved
4455 S Rural Rd
CC-2026-015
 Desert Ridge Holdings Industrial $3,500,000 61% Underwriting
890 W Warner Rd
CC-2026-016
 Chandler Land Partners Land $800,000 49% Inquiry
Maturity Alerts
12 Days
CC-2024-007
2200 N Central Ave · $1.85M
21 Days
CC-2024-011
9900 E Shea Blvd · $3.2M
29 Days
CC-2024-015
1440 S Mill Ave · $3.05M
58 Days
CC-2025-003
5500 W Thunderbird · $2.4M
Recent Activity
● Live
JS
James Sullivan advanced CC-2026-014 to Approved stage — Retail, $1.2M, 74% LTV
9:41 AM
AI
Email Intel — 7 actions identified from 23 overnight emails. 2 docs matched to CC-2026-012. 1 informal draw request flagged for routing.
8:03 AM
ML
Maria Lopez uploaded appraisal for CC-2026-012 — Multi-Family, 1847 E Camelback
9:14 AM
AI
AI generated deal brief for CC-2026-015 — Desert Ridge Industrial, $3.5M. Ready for underwriter review.
8:52 AM
TW
Tom Walsh approved Draw #3 for CC-2025-008 — $48,500 disbursed to Sonoran Dev Group
8:30 AM
JS
James Sullivan sent term sheet to Marcus & Rivera LLC — CC-2026-012 awaiting borrower signature
Yesterday
ML
System flagged CC-2024-007 — maturity in 12 days, no extension request on file
Yesterday
Portfolio Health
Payment Status — 24 Active Loans
Current 20 loans · 83%
30 Days Late 2 loans · 8%
60+ Days Late 1 loan · 4%
In Extension 1 loan · 4%
Loan Mix by Property Type
9
Multi-Family
6
SFR
4
Industrial
3
Retail
1
Land
1
Office
Deal Management
Deal Pipeline
12 active deals · $14.3M in pipeline
Officer
Inquiry 2
CC-2026-016
890 W Warner Rd, Chandler AZ
Chandler Land Partners
Land
$800,000 LTV 49%
WM
Wyatt McPherson
CC-2026-017
1230 E McDowell Rd, Phoenix AZ
Ironwood Capital Group
Retail
$975,000 LTV est.
TH
Tony Hendricks
Term Sheet 3
CC-2026-013
3201 N 16th St, Phoenix AZ
Sonoran Dev Group
SFR
$618,000 LTV 72%
RJR
Rob Leonard Jr.
CC-2026-018
6600 S McClintock Dr, Tempe
Valley Bridge Partners
Multi-Family
$2,830,000 LTV 70%
WM
Wyatt McPherson
CC-2026-019
990 N Scottsdale Rd, Scottsdale
Red Rock Realty Fund
Industrial
$1,650,000 LTV 65%
CC
Chris Carlson
Underwriting 3
CC-2026-012
1847 E Camelback Rd, Phoenix
Marcus & Rivera LLC
Multi-Family
$2,450,000 LTV 68%
RJR
Rob Leonard Jr.
CC-2026-015
4455 S Rural Rd, Mesa AZ
Desert Ridge Holdings
Industrial
$3,500,000 LTV 61%
CC
Chris Carlson
CC-2026-020
200 W Washington St, Phoenix
Phoenix Urban Partners
Office
$1,900,000 LTV 71%
RSR
Rob Leonard Sr.
Approved 2
CC-2026-014
7800 E McDowell Rd, Scottsdale
Pinnacle Capital AZ
Retail
$1,200,000 LTV 74%
RSR
Rob Leonard Sr.
CC-2026-021
12330 N Tatum Blvd, Phoenix
Tatum Bridge Capital
SFR
$495,000 LTV 69%
WM
Wyatt McPherson
Closing 2
CC-2026-010
5280 E Ray Rd, Gilbert AZ
AZ Equity Partners
Multi-Family
$2,369,000 LTV 67%
RJR
Rob Leonard Jr.
CC-2026-011
1780 S Dobson Rd, Mesa AZ
Dobson Commercial LLC
Industrial
$4,100,000 LTV 63%
TH
Tony Hendricks
Deal Room
Active Deal File
Deal File · CC-2026-012
1847 E Camelback Rd — Multi-Family Acquisition
Borrower: Marcus & Rivera LLC
Loan Amount: $2,450,000
LTV: 68%
Rate: 10.5%
Term: 18 Months
Originated: Apr 1, 2026
Underwriting
Inquiry
Intake
Term Sheet
Underwriting
Approved
Closing
Funded
Available Agents Stage: Underwriting — 4 agents available, 1 completed
Locked agents unlock when deal advances to next stage
📄
Document Agent
● Ready
Process uploaded files, auto-classify document types, extract key data fields, and flag any missing required items.
Produces → Document records · Extraction results · Missing items list
3 files queued
🔍
Underwriting Agent
○ Awaiting docs
Run full credit analysis — LTV stress test, borrower financials review, comp analysis, and generate the underwriting memo for committee.
Produces → Underwriting memo · Risk rating · Credit committee package
2 docs still missing
✉
Comms Agent
✓ Completed
Draft and send borrower communications — document request emails, status updates, and follow-up reminders for outstanding items.
Produced → 2 doc request emails · 1 status update sent
Ran Apr 7, 2026
💰
Capital Agent
🔒 Unlocks at Approved
Match available investor capital to this deal based on preferences, yield targets, and lien requirements. Send commitment requests.
Produces → Capital allocation plan · Investor commitment requests
Available after approval
Loan Structure
AI Verified
Loan Amount
$2,450,000
Purchase Price
$3,200,000
ARV
$3,600,000
LTV
68%
Interest Rate
10.5%
Origination Fee
2.5%
Loan Term
18 Months
Amortization
Interest Only
Security Position
Senior · First Deed of Trust
Property Details
Property Type
Multi-Family
Units
36
Sq Footage
28,400 ft²
Year Built
1987
Borrower
MR
Marcus & Rivera LLC
4 prior loans · $8.2M funded · 100% on-time
Deal Timeline
Inquiry Received
Mar 28, 2026
Intake Completed
Mar 29, 2026
Term Sheet Issued
Apr 1, 2026
Underwriting — In Progress
Apr 3, 2026 → present
Committee Approval
Pending
Funding
Target: Apr 22, 2026
Document Checklist
7 of 10 Complete
✓
Purchase Contract
Received Mar 29
✓
Borrower Financials
Received Mar 30
✓
Property Photos
Received Mar 30
✓
Entity Documents (LLC)
Received Apr 1
✓
Proof of Funds
Received Apr 1
✓
Title Preliminary Report
Received Apr 3
✓
Insurance Binder
Received Apr 4
⋯
Appraisal / BPO
In Progress
!
Rehab Budget
!
Environmental Phase I
AI Deal Brief
Generated by AI
Executive Summary
36-unit multi-family acquisition in central Phoenix. Borrower (Marcus & Rivera LLC) presents strong track record — 4 prior Colonial loans, 100% on-time payment history, $8.2M total funded. Purchase price of $3.2M supported by ARV of $3.6M. LTV of 68% within program parameters.
Risk Flags
⚠ Appraisal pending — ARV of $3.6M not yet independently confirmed
! Rehab budget not received — renovation scope and cost basis unverified
✓ Borrower financials reviewed — adequate liquidity confirmed for down payment
Recommended Next Steps
1. Follow up on appraisal ETA — expected by Apr 10
2. Request rehab budget from borrower directly
3. Order Phase I environmental if not waived
4. Schedule committee review for week of Apr 14
Loan Servicing
Active Loan Portfolio
24 loans · $47.2M deployed · as of April 8, 2026
⚠
3 loans maturing within 30 days. Review and initiate extension conversations immediately for CC-2024-007, CC-2024-011, CC-2024-015.
Loan ID Property / Borrower Type Loan Amount LTV Rate Maturity Days Left Payment Status
CC-2024-007
2200 N Central Ave
Phoenix Urban Fund
 Office $1,850,000 73% 11.0% Apr 20, 2026 12 days Current Extension Pending
CC-2024-011
9900 E Shea Blvd
Scottsdale Dev Partners
 Multi-Family $3,200,000 66% 10.0% Apr 29, 2026 21 days Current No Extension
CC-2024-015
1440 S Mill Ave
Tempe Bridge Holdings
 Industrial $3,050,000 62% 10.5% May 7, 2026 29 days 30 Days Late No Extension
CC-2025-003
5500 W Thunderbird Rd
Glendale Capital Group
 Multi-Family $2,437,000 68% 9.5% Jun 5, 2026 58 days Current Healthy
CC-2025-007
7200 S 48th St
South Mountain Partners
 SFR $618,715 71% 11.5% Jul 14, 2026 97 days Current Healthy
CC-2025-008
1847 E Camelback Rd
Marcus & Rivera LLC
 Multi-Family $2,830,500 65% 10.0% Aug 2, 2026 116 days Current Draw Active
CC-2025-011
3500 N 7th St
Central Phoenix Dev
 Multi-Family $2,369,000 67% 9.5% Sep 10, 2026 155 days 60 Days Late Watch List
CC-2025-014
4400 E Thomas Rd
Arcadia Group LLC
 Retail $755,000 70% 10.5% Oct 15, 2026 190 days Current Healthy
Construction Finance
Draw Management
3 active construction loans · $185,000 pending disbursement
⏳
2 draw requests awaiting approval — CC-2025-008 Draw #4 ($48,500) and CC-2025-019 Draw #2 ($136,500). Average approval time: 1.2 days.
1847 E Camelback Rd — Multi-Family Renovation
CC-2025-008 · Marcus & Rivera LLC · Scottsdale, AZ
Draw #4 Pending
Total Rehab Budget
$480,000
Disbursed to Date
$285,500
Pending Draw
$48,500
Remaining Budget
$146,000
Project Completion 59%
Draw # Phase / Description Amount Requested Approved By Disbursed Status Inspection
Draw 1 Demo & site prep, electrical rough-in $82,000 Jan 15, 2026 Tom Walsh Jan 17, 2026 Funded Passed
Draw 2 Plumbing, HVAC install, framing $96,000 Feb 12, 2026 Tom Walsh Feb 14, 2026 Funded Passed
Draw 3 Drywall, insulation, flooring rough $107,500 Mar 18, 2026 James Sullivan Mar 20, 2026 Funded Passed
Draw 4 Kitchen finishes, appliances, tile work $48,500 Apr 6, 2026 — — Pending Approval Ordered
7200 S 48th St — SFR Fix & Flip
CC-2025-019 · Sonoran Dev Group · South Mountain, AZ
Draw #2 Pending
Total Rehab Budget
$285,000
Disbursed to Date
$110,000
Pending Draw
$136,500
Remaining Budget
$38,500
Project Completion 38%
Draw # Phase / Description Amount Requested Approved By Disbursed Status Inspection
Draw 1 Demo, foundation repair, roof replacement $110,000 Mar 1, 2026 Tom Walsh Mar 3, 2026 Funded Passed
Draw 2 Plumbing, electrical, HVAC, windows $136,500 Apr 5, 2026 — — Pending Approval Scheduled
Relationship Management
Borrower Directory
47 borrowers · $142M total funded since inception
Showing 8 of 47
MR
Marcus & Rivera LLC
Real Estate Investment · Phoenix
Active Multi-Family
Loans Funded
4
Total Capital
$8.2M
On-Time Rate
100%
Last Activity
Apr 1
SD
Sonoran Dev Group
Fix & Flip · Scottsdale / Tempe
Active SFR
Loans Funded
7
Total Capital
$5.1M
On-Time Rate
96%
Last Activity
Apr 5
DR
Desert Ridge Holdings
Commercial · Mesa / Gilbert
In Pipeline Industrial
Loans Funded
2
Total Capital
$6.9M
On-Time Rate
100%
Last Activity
Apr 3
PC
Pinnacle Capital AZ
Retail / Mixed-Use · Scottsdale
Approved Retail
Loans Funded
3
Total Capital
$3.7M
On-Time Rate
88%
Last Activity
Apr 8
TB
Tempe Bridge Holdings
Industrial / Warehouse · Tempe
Late Payment Industrial
Loans Funded
1
Total Capital
$3.05M
On-Time Rate
72%
Last Activity
Mar 1
GC
Glendale Capital Group
Multi-Family · Glendale / Peoria
Active Multi-Family
Loans Funded
5
Total Capital
$11.4M
On-Time Rate
100%
Last Activity
Feb 22
IW
Re-engage
Ironwood Capital Group
Retail · Central Phoenix
No activity in 8 months. Last funded: Aug 2025. Reach out — 2 prior loans, strong track record.
Prior Loans
2
Total Capital
$1.95M
On-Time Rate
100%
Dormant
8 mo.
RR
Re-engage
Red Rock Realty Fund
Land / Development · North Phoenix
No activity in 11 months. Last funded: May 2025. High-value relationship — $4.2M funded, strong repayment.
Prior Loans
3
Total Capital
$4.2M
On-Time Rate
98%
Dormant
11 mo.
AI-Powered · Email Integration
Emails
Wednesday, April 8, 2026 · 8:04 AM · Gmail connected · 23 new messages overnight
Gmail connected — read-only access · [email protected] · Last synced 8:03 AM
AI Briefing Ready
Morning Briefing — April 8, 2026
Generated 8:03 AM
Good morning. You have 7 priority actions across 5 active deals. CC-2024-007 matures in 12 days with no extension on file — this needs a call today. Two document submissions came in overnight for CC-2026-012. One informal draw request from Sonoran Dev Group requires routing into a formal workflow.
Prioritized Action Queue
Urgent
Call Phoenix Urban Fund re: CC-2024-007 maturity
Matures Apr 20 — 12 days. No extension request on file. Their last email (Mar 28) mentioned "exploring options." Initiate conversation now.
Action
Review 2 new documents — CC-2026-012 (Marcus & Rivera)
Appraisal and insurance binder received at 11:42 PM. Matched to deal file. Checklist updated. Ready for underwriter review.
Action
Convert Sonoran Dev Group email to formal draw request
Tom Reyes emailed at 7:18 PM requesting draw release for CC-2025-019. Informal — needs to be routed into the draw approval workflow.
Today
Follow up on missing rehab budget — CC-2026-012
Last requested Apr 4. No response. 4 days outstanding. Blocking underwriting completion.
Today
Review term sheet — Pinnacle Capital AZ, CC-2026-014
Sarah Chen replied to the term sheet at 6:55 PM with 2 questions about prepayment terms. Draft response ready for review.
FYI
New inbound inquiry — Ironwood Capital Group
David Park emailed at 9:41 PM about a $975K retail acquisition on E McDowell. Past borrower (2 loans, 100% on-time). Draft intake card ready.
Done
CC-2025-008 draw approval confirmation sent
Tom Walsh approved Draw #3 at 8:30 AM. Confirmation automatically sent to Marcus & Rivera LLC. Wire memo logged to loan file.
Auto-handled
Overnight Documents
2 received
✓
Appraisal Report
CC-2026-012 · Matched automatically
11:42 PM
✓
Insurance Binder
CC-2026-012 · Matched automatically
11:44 PM
Inbox Summary
23
Overnight emails
7
Action items
2
Docs received
1
Flagged requests
AI Draft Reply
Generated by AI
Re: Pinnacle Capital AZ · Prepayment Question
Hi Sarah,

Thanks for reviewing the term sheet. To answer your questions:

Prepayment: There is no prepayment penalty after month 6. Prior to month 6, a 1% fee applies to the outstanding balance.

Extension option: A single 6-month extension is available at the lender's discretion, subject to current payment status and a 1% extension fee.

Let me know if you have any other questions — happy to set up a call.
Re-engagement Opportunity
Detected by AI
IW
Ironwood Capital Group
Past borrower · 2 loans · $1.95M · 100% on-time
David Park emailed last night about a new acquisition — their first contact in 8 months. Strong borrower. Draft intake card pre-populated from email.
Task Categories
Workflow Rules
30-day pre-maturity alert
15-day late notice trigger
Insurance renewal 45 days
Monthly investor statements
Draw inspection trigger
Workflow Engine
Task Queue
12 open tasks · 3 urgent · Rule-based triggers + AI assist
⚡ Urgent — 3 Tasks
Escalate CC-2025-011 delinquency to Rob Sr. — 60 DPD, Watch List status
CC-2025-011 · 3500 N 7th St ⚙ Rule: 30-day default escalation Assigned: Melissa Gibson
📅 Overdue
CEO decision required: Extension request CC-2024-015 — Tempe Bridge Holdings, $3.05M
CC-2024-015 · 1440 S Mill Ave ⚙ Rule: Extension awaiting approval 🤖 Draft extension terms ready Assigned: Rob Leonard Sr.
📅 Apr 7
CC-2024-007 maturity in 12 days — Confirm payoff or extension. No request on file.
CC-2024-007 · 2200 N Central Ave ⚙ Rule: 14-day pre-maturity escalation 🤖 AI draft outreach ready Assigned: Wyatt McPherson
📅 Apr 8 Today
Standard — 9 Tasks
Initiate payoff / extension conversation — CC-2024-011, maturity in 21 days
CC-2024-011 · 9900 E Shea Blvd · 21 days to maturity ⚙ Rule: 30-day pre-maturity alert 🤖 Borrower summary drafted
📅 Apr 15
Insurance renewal reminder — CC-2025-008 policy expires May 14, 2026
CC-2025-008 · State Farm · 36 days remaining ⚙ Rule: Insurance expiry 45-day alert 🤖 Renewal request drafted
📅 Apr 24
Approve CC-2025-008 Draw #4 — $48,500. Inspection report received.
CC-2025-008 · 1847 E Camelback Rd ⚙ Rule: Draw inspection complete → approval queue 🤖 Draw summary with budget analysis Assigned: Tom Walsh
📅 Apr 10
Q1 Investor Portfolio Report — distribute to capital partners by Apr 15
All investors · Quarterly reporting ⚙ Rule: Quarterly investor reporting 🤖 Draft report generated Assigned: Rob Leonard Sr.
📅 Apr 15
Approve CC-2025-019 Draw #2 — $136,500. Awaiting inspection sign-off.
CC-2025-019 · Construction draw ⚙ Rule: Draw inspection complete → approval queue Assigned: Tom Walsh
📅 Apr 12
Request updated financial statements — Tatum Bridge Capital (quarterly requirement)
CC-2024-015 · Q1 financials due ⚙ Rule: Quarterly borrower financials 🤖 Request email drafted
📅 Apr 30
Send executed extension agreement to Marcus & Rivera LLC — CC-2025-008
CC-2025-008 · Post-approval documentation ⚙ Rule: Post-extension execution checklist
📅 Apr 20
NMLS annual renewal — filing deadline June 30, 2026
Compliance · Regulatory ⚙ Rule: Annual compliance calendar
📅 Jun 30
Borrower Workspace
Borrower Profile
Relationship history, risk assessment & payment behavior
RH
Rob Hargrove
Arcadia Development Partners, LLC · EIN: 85-1234567
✓ Low Risk Member since 2021 · 3 loans
$5.2M
Total Funded
3
Loans (2 Closed)
0
Late Payments
A+
Risk Rating
All Loans
Loan ID Property Amount Status Outcome
CC-2024-047 4425 N Arcadia Ln $2,100,000 Active —
CC-2022-019 3201 E Camelback Rd $1,800,000 Closed Paid off on time
CC-2021-004 5720 N 16th St $1,300,000 Closed Paid off on time
Entity & Guarantors
Entity Type
LLC (Arizona)
Registered
Mar 12, 2019
EIN
85-1234567
State Status
Good Standing
Guarantor
Rob Hargrove (Personal)
Guarantor SSN
On file · Verified
Risk Assessment
Low Risk
✓
Payment History: Excellent. 0 late payments across 3 loans and 36 months of payment history with Colonial.
✓
Collateral Quality: Strong. All loans secured by high-quality Phoenix MSA properties. Average LTV 64% at origination.
⚠
Maturity Risk: Monitor. CC-2024-047 matures May 15. Borrower may need extension. Exit strategy active — property listed.
✓
Background: Clean. No prior defaults, judgments, or liens outside Colonial relationships.
Payment Behavior
100%
On-Time Rate
36
Payments Made
1.2d
Avg Early
Preferred payment method: Wire transfer. Typically pays 1–2 days early. No NSF or payment reversal history across all 36 payments.
All Loans (24)
CC-2024-047
4425 N Arcadia Lane, Phoenix
$2,100,000Current
CC-2024-007
2200 N Central Ave, Phoenix
$1,850,00012 Days
CC-2024-011
9900 E Shea Blvd, Scottsdale
$3,200,00021 Days
CC-2024-015
1440 S Mill Ave, Tempe
$3,050,00030 DPD
CC-2025-008
1847 E Camelback Rd, Phoenix
$2,830,500Draw Active
CC-2025-011
3500 N 7th St, Phoenix
$2,369,00060 DPD
CC-2025-003
5500 W Thunderbird Rd, Glendale
$2,437,000Current
CC-2025-014
4400 E Thomas Rd, Phoenix
$755,000Current
CC-2025-007
7200 S 48th St, Phoenix
$618,715Current
CC-2024-047 · Single Family Residence
4425 North Arcadia Lane, Phoenix AZ 85018
Borrower: Arcadia Development Partners, LLC · Rob Hargrove (Guarantor)
Current — 0 DPD
Loan Amount
$2,100,000
Current Balance
$2,100,000
Interest Rate
10.5%
Interest only
Origination Date
May 15, 2025
Maturity Date
May 15, 2026
37 days remaining
LTV
62.5%
ARV: $3,360,000
Property Summary
Type
Single Family Residence
Size
11,500 SF · 8 Bed / 7.5 Bath
Land
1.48 acres
Location
Arcadia / The Phoenician
As-Is Value
$3,360,000 (appraisal)
Security
1st DOT · Title insured
Covenants & Milestones
Insurance binder current✓ Active
Monthly financial reporting✓ Mar filed
No additional liens✓ Verified
Payoff or extension by maturity⚠ 37 days
Borrower Summary
RH
Rob Hargrove
Arcadia Development Partners, LLC · Guarantor
Prior Loans
3 with Colonial
Payment Record
0 late payments
Total Volume
$5.2M funded
Risk Rating
Low risk
Next Required Actions
Initiate payoff / extension conversation
Due Apr 15 · Rule: 30-day pre-maturity
Request updated financial statements
Due Apr 30 · Quarterly requirement
Payment History — CC-2024-047
$18,375 / month
Due DateAmount DueAmount ReceivedDate ReceivedDPDMethodStatus
Apr 1, 2026$18,375$18,375Mar 30, 20260Wire✓ On Time
Mar 1, 2026$18,375$18,375Feb 28, 20260Wire✓ On Time
Feb 1, 2026$18,375$18,375Feb 3, 20262Wire✓ On Time
Jan 1, 2026$18,375$18,375Jan 1, 20260ACH✓ On Time
Dec 1, 2025$18,375$18,375Nov 29, 20250Wire✓ On Time
Nov 1, 2025$18,375$18,375Oct 31, 20250ACH✓ On Time
Appraisal
Full URAR Appraisal Report
Residential Appraisals Inc · Apr 20, 2025
As-Is Value: $3,360,000. ARV not applicable. Appraiser: J. Martinez, MAI.
Title Report
Preliminary Title Report
Fidelity National Title · May 10, 2025
No open liens identified. 1st DOT in favor of Colonial Capital recorded May 15. Title insurance: $2,100,000.
Insurance Binder
Expires 36 days
Property Insurance Binder
State Farm · May 14, 2025
Coverage: $3,500,000 replacement. Colonial Capital named as additional insured. Renewal required.
Promissory Note
Executed Promissory Note
Signed · May 15, 2025 · Notarized
Principal: $2,100,000 · Rate: 10.5% · Maturity: May 15, 2026 · Guarantor: Robert J. Hargrove.
Communication History
WM
Outbound · Wyatt → Rob Hargrove — "Rob, just a heads-up your loan matures May 15. Please confirm whether you plan to pay off or need an extension. Happy to discuss terms."
Apr 5 · Email
RH
Inbound · Rob Hargrove → Wyatt — "Thanks Wyatt. Working on the listing. Might need 60 more days if the April showing falls through. I'll confirm by the 15th."
Apr 6 · Email · Logged automatically
AI
Servicing Agent — Auto-generated April payment reminder sent. $18,375 due Apr 1. Confirmed received Mar 30.
Mar 25 · Auto
Internal Notes
WM
Wyatt McPherson — Spoke with Rob Hargrove re: maturity. Listing active, 2 showings booked for April. He expects payoff but may need 60-day extension. Tracking closely. Low risk of default given equity position (62.5% LTV).
Apr 6, 2026 · Loan Note
CC
Chris Carlson — Reviewed appraisal. ARV conservative given recent Arcadia comps. Actual market value likely $3.5–3.7M. Strong collateral position.
May 12, 2025 · Underwriting Note
▲
UPCOMING · May 15, 2026
Loan Maturity
Payoff or extension required by this date.
→
Apr 6, 2026
Borrower: Extension possible
Rob Hargrove indicated possible 60-day extension need pending April showing outcome.
Apr 1, 2026
Payment #11 received — $18,375
Received Mar 30 via wire. 0 DPD.
May 15, 2025
Loan Funded — $2,100,000
Wire sent to Fidelity National Title. Deed recorded May 16, 2025.
May 8, 2025
Credit Committee Approval
Deal memo approved by Rob Sr. Commitment letter issued. Borrower accepted.
AI Loan Copilot
CC-2024-047
Loan Summary — CC-2024-047

4425 N Arcadia Lane is a $2.1M bridge loan on an 11,500 SF luxury SFR in the Arcadia neighborhood. Borrower is Arcadia Development Partners LLC (Rob Hargrove, guarantor) — a repeat Colonial borrower with 3 prior loans, 0 late payments.

Loan matures May 15, 2026 (37 days). Borrower has indicated a potential 60-day extension need pending an April showing. LTV is 62.5% — strong collateral position.

Status: Current · 0 DPD · Low risk.
Quick Questions
AI Document Module
Document Intelligence
47 documents indexed · Auto-classified · Fully searchable · Linked to loans, borrowers, and properties
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Document Intelligence Active
3 recent uploads processed · 1 insurance policy expiring in 36 days (CC-2024-047) · 1 extension agreement changes maturity date on CC-2024-015
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Promissory Note
Executed Promissory Note — CC-2024-047
May 15, 2025 · 8 pages · OCR complete
Principal: $2,100,000 · Rate: 10.5% · Maturity: May 15, 2026 · Guarantor: Robert J. Hargrove. AI extracted: maturity date, rate, guarantor name, principal amount.
CC-2024-047Arcadia Dev. Partners4425 N Arcadia Ln
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Extension Agreement
Loan Extension Agreement — CC-2024-015
Mar 28, 2026 · 4 pages · Executed
⚠ AI detected maturity change: Original maturity Oct 30, 2025 → New maturity Apr 30, 2026. Extension fee: $43,000 collected. Loan record updated automatically.
CC-2024-015Tempe Bridge Holdings1440 S Mill Ave
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Appraisal
URAR Full Appraisal — 1847 E Camelback Rd
Jan 8, 2026 · 52 pages · MAI certified
As-Is Value: $2,100,000 · ARV (stabilized): $3,600,000 · Appraiser: T. Nguyen MAI · Comp range: $3.4M–$3.8M. AI extracted: 4 comparable sales, ARV, approach to value.
CC-2025-008Marcus & Rivera LLC1847 E Camelback
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Insurance Binder
Property Insurance — CC-2024-047
State Farm · May 14, 2025 · Exp. May 14, 2026
⚡ Renewal required in 36 days. Coverage: $3,500,000. Colonial Capital LLC named as additional insured & loss payee. Task auto-created: request renewal by Apr 24.
CC-2024-0474425 N Arcadia Ln
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Bank Statements
Borrower Financial Package — Tempe Bridge Holdings
Chase Bank · Jan 2026 · 3 months
Average 3-month balance: $284,000. AI classified: personal checking, savings, business operating. No NSF activity. Liquidity sufficient for extension carry costs.
CC-2024-015Tempe Bridge Holdings
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Entity Docs
LLC Operating Agreement — Marcus & Rivera LLC
AZ ACC · Incorporated Mar 2021 · Good standing
Managing member: Carlos Rivera. 100% member. Authorized to enter into loans. EIN: 87-2341190. Registered agent: CT Corporation, Phoenix AZ.
CC-2025-008Carlos Rivera1847 E Camelback
Operations
Closings
2 active closings · 1 ready to fund
Closing Queue
2 Active
Deal Borrower Sched. Close Conditions Left Funding Status
CC-2026-010
5280 E Ray Rd, Gilbert
 AZ Equity Partners Nov 18, 2026 0 remaining $2.37M · Ready Ready to Fund
CC-2026-011
1780 S Dobson Rd, Mesa
 Dobson Commercial LLC Dec 1, 2026 3 remaining $4.10M · Pending In Progress
CC-2026-010 Checklist
Ready to Fund
✓
Title ordered & reviewed
First American
✓
Insurance verified
Active policy
✓
Legal docs drafted & executed
e-Signed
✓
Settlement statement approved
Nov 15
✓
Wire instructions confirmed
Escrow acct.
✓
All conditions satisfied
6 of 6
Capital Management
Investors
14 active investors · $18.4M available capital
Investor Roster
14 Active
HFO
Harrison Family Office
Family Office · Scottsdale, AZ · Prefers SFR, 1st lien
$2,500,000
Available
MCP
Meridian Capital Partners
Fund · Phoenix, AZ · Prefers Commercial, 1st lien
$5,000,000
Available
SW2
Southwest RE Fund II
Fund · Tempe, AZ · Prefers MF, any lien
$1,800,000
Available
PV
Ponderosa Ventures LLC
IRA · Tucson, AZ · Prefers SFR, 1st lien
$750,000
Available
TK
Tokuda Family Trust
Trust · Paradise Valley · Min 10% yield
$3,200,000
Available
Total Capital Pool
$18.4M
Available to deploy
Deployed Capital
$47.2M
24 active loans
Distributions YTD
$2.1M
To 14 investors
Avg Investor Return
9.8%
Net annualized
Investor Preferences Summary
Prefer SFR / Multifamily 9 of 14
First lien position only 11 of 14
Min yield target ≥ 9% 12 of 14
Reinvestment preference 10 of 14
Capital Management
Capital Allocations
3 deals pending funding · $6.2M to match
Fundable Deals
3 Pending
CC-2026-012 · Marcus & Rivera LLC
Underwriting
Multi-Family · Phoenix · $2.45M needed · Dec 1 close
$1.5M committed · $950K gap
CC-2026-014 · Pinnacle Capital AZ
Approved
Retail · Phoenix · $1.2M needed · Nov 25 close
$300K committed · $900K gap
CC-2026-010 · AZ Equity Partners
Closing
Multi-Family · Gilbert · $2.37M needed · Nov 18 close
$2.37M committed · Fully funded ✓
Available Capital Pool
$13.25M Total
HFO
Harrison Family Office
SFR · 1st Lien · ≥9%
$2,500,000
MCP
Meridian Capital Partners
Commercial · 1st Lien
$5,000,000
SW2
Southwest RE Fund II
Multifamily · Any lien
$1,800,000
TK
Tokuda Family Trust
SFR · 1st Lien · ≥10%
$3,200,000
Allocation Builder
CC-2026-012 · $2.45M Target
Meridian Capital Partners
37.5%
Colonial (Balance Sheet)
37.5%
Harrison Family Office ← Gap
25%
Committed $1,800,000
Remaining gap $650,000
Origination
New Deal
Create a deal record — borrower, property, and loan request
1 Borrower Info
Borrower Type
2 Property Info
After-repair value — required for fix & flip
3 Loan Request
— %
Auto-calculated from loan amount ÷ as-is value
4 Deal Classification
5 Source & Referral
6 Initial Notes
Create Deal
Creates: Deal record · Borrower profile · Property record
Initial Checklist
Preview
Documents that will be requested upon deal creation:
Loan application / 1003
Entity operating agreement
3 months bank statements
Personal financial statement
Purchase contract
Scope of work / rehab budget
Appraisal / BPO order
Preliminary title report
Insurance binder
AI Pre-Screen
Auto
Fill in loan amount and property value to see an instant LTV check, portfolio fit assessment, and comparable deal history.
Active Deal · Document Upload
CC-2026-012 · 1847 E Camelback Rd
Marcus & Rivera LLC · Multi-Family · $2,450,000 · 68% LTV · Underwriting
3 / 9
Docs Received
4
Missing
2
Requested
⬆
Drag & drop files here, or click to browse
PDF, DOCX, XLSX, JPG, PNG supported · Max 50MB per file · Multiple files accepted
Bank Statements Purchase Contract Rent Roll Rehab Budget Borrower Application Entity Docs Insurance Title
Uploaded Files
● AI Processing Active
3 files
File Name
Classified As
Size
AI Status
PDF
Marcus_Rivera_BankStmts_Q1.pdf
Uploaded Apr 8, 2026 · 9:14 AM
Bank Statements
2.4 MB
✓ Extracted
PDF
Purchase_Agreement_1847_Camelback.pdf
Uploaded Apr 8, 2026 · 9:16 AM
Purchase Contract
1.1 MB
⟳ Processing
DOC
Marcus_Rivera_LLC_OperatingAgreement.docx
Uploaded Apr 8, 2026 · 9:18 AM
Entity Docs
340 KB
✓ Extracted
AI Extraction Results
Generated by AI
Bank Statements — Marcus_Rivera_BankStmts_Q1.pdf
Avg 3-mo balance
$312,400
NSF events
None
Accounts detected
3 (checking, savings, biz)
Entity Docs — Operating Agreement
Managing member
Carlos Rivera
EIN
87-2341190
AZ status
Good standing
⟳ Purchase Contract — Processing
Extracting purchase price, close date, contingencies, and seller info. Est. 30 seconds.
Actions
Required Documents
6 remaining
✓
Bank Statements
3 months
⟳
Purchase Contract
Processing
✓
Entity Docs
LLC operating agreement
!
Borrower Application
Requested Apr 7
!
Insurance Binder
Requested Apr 7
Rehab Budget
Not requested
Preliminary Title Report
Not requested
Appraisal / BPO
Not ordered
N/A
Rent Roll
Vacant property
Missing Items
4 items
Borrower Application
Requested Apr 7 · No response yet
Insurance Binder
Requested Apr 7 · No response yet
Rehab Budget
Not yet requested · Required for fix & flip
Preliminary Title Report
Not yet ordered · Required before underwriting
System Administration
Settings
Colonial Capital, LLC · MB #0905749 · Phoenix, AZ
Configuration
Users & Roles
Name Role Email Status Last Active
RSR
Rob Leonard Sr.
 CEO / Principal rob@colonial-capital.com Active Today, 9:14 AM
RJR
Rob Leonard Jr.
 Operations / Loan Officer rjr@colonial-capital.com Active Today, 8:55 AM
CC
Chris Carlson
 Underwriter c.carlson@colonial-capital.com Active Today, 8:47 AM
WM
Wyatt McPherson
 Loan Officer w.mcpherson@colonial-capital.com Active Today, 8:30 AM
TH
Tony Hendricks
 Capital / IR Manager t.hendricks@colonial-capital.com Active Today, 8:02 AM
TC
Tyler Coyle
 Servicing Manager t.coyle@colonial-capital.com Active Yesterday, 5:41 PM
Reporting & Analytics
Reports
Live previews · Scheduled exports · PDF & Excel
Portfolio Summary
Monthly portfolio overview for investors and leadership — principal, LTV, yield, and performance.
PDF Excel ● Scheduled Monthly
Investor Statement Pack
Individual capital partner statements with distribution history, yield, and deployed capital.
PDF ● Scheduled Monthly
Delinquency Report
All past-due loans with days past due, total exposure, and current workout or default status.
PDF CSV On Demand
Maturity Ladder Report
All upcoming maturities in 30 / 60 / 90-day buckets with extension status and risk flags.
PDF Excel On Demand
Active Pipeline Report
All open deals by stage with underwriting status, assigned officer, and estimated close date.
PDF Excel On Demand
Funding Pipeline Report
Approved deals pending close with capital allocation status, funding gaps, and investor commitments.
PDF CSV On Demand
Originations YTD
Year-to-date loan originations by officer, property type, and deal source with volume and revenue.
PDF Excel ● Scheduled Quarterly
Borrower Performance Report
Payment history, on-time rate, total volume, and risk rating across all active borrower relationships.
PDF Excel On Demand
Compliance & Regulatory
License status, NMLS filings, concentration limits, and any open regulatory action items.
PDF ● Scheduled Annually