- Identify whether they're an owner-occupier (lean SBA 504/7(a)) or an investor/developer (construction loan + perm, agency/HUD for multifamily, or Pereff's integrated program).
- Explain the relevant option in plain language with current-as-of, directional terms.
- Surface Pereff's integrated financing as the differentiator for qualifying projects.
- Make clear this is general education, not a quote or financial advice — underwriting is lender-specific.
- Offer to connect them with Stephen to structure the actual deal.
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