RTL Referral Agreement
Current as of August 01, 2026. Partners review and electronically sign this agreement, with per-state acknowledgements, during enrollment.
RTL Referral & Marketing Services Agreement (v1.0)
This Referral & Marketing Services Agreement (this "Agreement") is entered into by and between DSCRFlow ("DSCRFlow"), a marketing and technology platform, and the undersigned referral partner ("Referral Partner," "you"), effective as of the date of your electronic signature (the "Effective Date").
Recitals
DSCRFlow operates a marketing and technology platform through which real estate investors may be introduced to business-purpose DSCR financing secured by non-owner-occupied residential investment property of one to four units. All loans are originated, underwritten, disclosed, and closed by a direct lender licensed to operate in the property state (the "Lender"). DSCRFlow is not a lender, does not make credit decisions, and does not originate loans. Referral Partner is a private lender whose borrowers may require permanent DSCR financing, including takeout of short-term rehab or bridge loans.
1. Scope of Services; Permitted and Prohibited Activities
1.1 Permitted. Referral Partner's services are strictly limited to: (a) informing borrowers, in general terms, of the availability of business-purpose DSCR financing through the platform; (b) sharing Referral Partner's unique referral link; (c) providing a borrower's contact information with the borrower's consent; and (d) optionally participating in an introductory call solely to make an introduction.
1.2 Prohibited. Referral Partner shall NOT: quote, negotiate, or discuss loan rates, terms, or payments; take or assist in completing an application; collect or transmit borrower financial documents; discuss eligibility or underwriting; hold itself out as a lender, broker, or originator for the referred financing; advertise in a manner that misrepresents its role; or perform any activity requiring a license it does not hold in the Property State.
1.3 State conduct restrictions set forth in the State Schedules you initialed are incorporated into this Agreement. 1.4 The program is not available to persons acting as licensed loan originators on the referred transaction, or to real estate licensees where the Property State prohibits their compensation.
2. Business-Purpose Loans Only
All referred financing is limited to business-purpose loans secured by non-owner-occupied 1–4 unit residential investment property, typically to entity borrowers. This is not a consumer mortgage program. Referral Partner shall not refer borrowers seeking financing for personal, family, or household purposes or for owner-occupied property.
3. Compensation
3.1 Options. Subject to the Property State's schedule: Option 1 — 1.00% of the funded loan amount to Referral Partner, no borrower credit; Option 2 — 0.50% to Referral Partner and a 0.50% lender credit to the borrower at closing; Option 3 — no fee to Referral Partner and a 1.00% lender credit to the borrower. Flat-fee states: where a state's schedule specifies a flat referral fee (as of the Effective Date, California at $2,000 per funded referral under Cal. Fin. Code § 22602), the flat amount applies in place of the percentage for the referral-fee component of Options 1 and 2 — percentage-based compensation to Referral Partner is not available in such states; fees remain payable only upon funding. Referral fees are paid by DSCRFlow for marketing and referral services; lender credits are pricing concessions applied by the Lender and are not payments by DSCRFlow.
3.2 Default election; per-deal changes. You elect a default option at sign-up, which applies automatically to every referral (subject to each Property State's schedule). For any individual referral you may change the option through the platform until the earlier of (a) two (2) business days after the borrower's application is submitted, or (b) loan funding — if the option is available in the Property State. After that the option and amounts lock and cannot change. DSCRFlow emails you when a borrower application is received, including the change deadline.
3.3 State availability. Referrals are accepted for properties in all fifty states. Green states: Options 1, 2, 3 (California: flat-fee Option 1 and Option 3). Yellow states: Options 1, 2, 3 subject to enhanced documentation and compliance review. Red states: Option 3 only. In North Dakota, Utah, and Vermont, referrals are accepted but no compensation of any kind is paid and no lender credit is applied.
3.4 Fair market value. The compensation herein represents fair market value for the marketing and referral services actually performed and is not compensation for brokering, originating, or negotiating any loan.
3.5 Payment timing. Fees are earned only upon funding and paid within fifteen (15) business days of funding (or final funding for draw-funded loans). No fee is earned on any application that does not fund.
3.6 Conditions to payment: executed Agreement and state acknowledgements; completed IRS Form W-9; completion of the Property State's compliance documentation including any first-payout review; and compliance with Sections 1 and 2.
4. State Schedules and Acknowledgements
You acknowledged each U.S. state's schedule by electronic initials at sign-up; each is incorporated into this Agreement. DSCRFlow may update a state's schedule prospectively; the platform will require re-acknowledgement before new referrals in that state. Locked referrals are unaffected by later changes. A state's schedule may also note that DSCR financing is not currently available there; such referrals are accepted and held, and no fee or credit can accrue unless lending becomes available.
5. Relationship of the Parties
Referral Partner is an independent contractor. Nothing herein creates a partnership, joint venture, employment, agency, or broker relationship. Referral Partner has no authority to bind DSCRFlow or any Lender.
6. Representations and Warranties
You represent and warrant that: you have authority to enter this Agreement; you will perform only the Permitted Activities; you are not acting as a licensed loan originator, mortgage broker, or real estate licensee on referred transactions except as disclosed and approved in writing; your information (including your W-9) is true and complete; you will comply with applicable law, including advertising, telemarketing, and privacy laws; and you will promptly notify DSCRFlow of any regulatory inquiry or complaint relating to your activities under this Agreement.
7. Records; Audit
You will keep records of referral activity for five (5) years and make them available on reasonable request. DSCRFlow's platform is the system of record for referrals, elections, acknowledgements, and payments.
8. Confidentiality; Borrower Information
You will treat borrower information as confidential, obtain the borrower's consent before sharing contact information, and not sell or disclose borrower information to third parties. Neither party may use the other's name or marks except as authorized.
9. Term; Termination
Either party may terminate at any time on notice. DSCRFlow may suspend or terminate immediately for Prohibited Activities, legal violations, or misrepresentation. Fees earned on loans funded before termination are paid per Section 3.5; no fees accrue on referrals made after termination. Sections 5–8 and 10–13 survive.
10. Indemnification; 11. Limitation of Liability
Each party indemnifies the other as set forth in the full Agreement. Neither party is liable for indirect or consequential damages; DSCRFlow's aggregate liability is capped at fees paid to you in the preceding twelve (12) months.
12. Electronic Signatures
The parties consent to conduct this transaction electronically. Your typed name, with the recorded timestamp, IP address, and device information, is your legal electronic signature under the federal E-SIGN Act and applicable state law; your per-state initials are binding acknowledgements.
13. General
Governing law and venue: [to be completed]. No assignment without consent. This Agreement with the acknowledged State Schedules and Exhibit A is the entire agreement. Amendments apply prospectively; locked referrals are governed by the version in effect at lock. Severability applies. Notices to you go to the email on file.
DSCRFlow is a marketing and technology platform. All loans are originated and closed by a direct lender licensed to operate in the property state.