From reinvestor-profile
Real estate and private money Lending Box definition and infographic generation skill. Use when a user wants to: (1) Define their lending criteria through a guided interview, (2) Determine which lending strategy fits their capital and risk tolerance (Gator/EMD, Transactional, Private Money, Syndications, Funds, Fractional), (3) Save their lending box to the brain for future deal evaluation, (4) Generate a professional shareable lending box infographic (HTML). Informed by Pace Morby (Gator Method) and traditional private money frameworks.
How this skill is triggered — by the user, by Claude, or both
Slash command
/reinvestor-profile:rei-lending-box [--action define/update/evaluate/infographic] [loan request to evaluate][--action define/update/evaluate/infographic] [loan request to evaluate]This skill is limited to the following tools:
The summary Claude sees in its skill listing — used to decide when to auto-load this skill
> **Disclaimer:** Private money lending and hard money lending involve risk of loss. Loan terms, returns, and lien positions described herein are illustrative. Consult a licensed attorney and financial advisor before deploying capital as a private lender. Securities laws may apply to certain lending structures — always consult legal counsel.
Disclaimer: Private money lending and hard money lending involve risk of loss. Loan terms, returns, and lien positions described herein are illustrative. Consult a licensed attorney and financial advisor before deploying capital as a private lender. Securities laws may apply to certain lending structures — always consult legal counsel.
A Lending Box is a private lender's filter — the specific criteria used to deploy capital into real estate or business deals. It tells wholesalers, flippers, and operators exactly what types of loans will be funded, preventing wasted time on deals outside the lender's risk profile.
Core philosophy: Capital has different velocities. Some investors want high-velocity short-term returns (Gator Method / EMD lending); others want long-term passive wealth preservation (Syndications / Funds). This skill helps lenders find their lane and communicate it clearly.
Three phases, completed in order:
mcp__cloud-brain__search_notes with query lending box criteriaConduct conversationally — ask 1–2 questions at a time, wait for answers, then adapt.
Based on Stage 1, recommend 1–2 strategies:
| If the lender has/wants... | Recommend |
|---|---|
| Low capital (<$20k) + Active | EMD Lending (Gator 1.0) or Fractional Debt |
| High capital + Wants velocity (days) | Transactional Funding (Double Close) |
| Moderate capital ($50k+) + 6–12 month horizon | Fix & Flip / BRRRR Private Money Lending |
| High capital + Wants passive / hands-off | Real Estate Syndications or Private Debt Funds |
| Wants equity upside | Gap Funding / 2nd Lien Lending |
Strategy profiles:
| Strategy | Capital Needed | Typical Returns | Risk | Horizon |
|---|---|---|---|---|
| EMD Lending (Gator 1.0) | $1k–$50k | $500–$2k flat / deal | Low (refundable EMD) | Days–2 weeks |
| Transactional Funding | $25k–$500k | 1–2% flat fee | Low (hours exposure) | Same-day–48 hrs |
| Fix & Flip Private Money | $50k–$500k | 10–15% + 1–3 pts | Medium (1st lien) | 3–12 months |
| BRRRR Private Money | $50k–$300k | 8–12% | Medium (1st lien) | 6–18 months |
| Gap / 2nd Lien | $10k–$100k | 15–25% | Higher (2nd lien) | 3–12 months |
| Syndication LP | $25k–$500k | 6–10% pref + equity | Medium-Low | 3–7 years |
| Private Debt Fund | $50k–$1M+ | 8–12% | Low–Medium | 1–3 years |
| Fractional Debt | $5k–$25k | 8–12% | Medium (fractional notes) | 6–24 months |
Once 1–2 strategies selected, offer: "Would you like me to run a quick market analysis on current rates and trends for [Strategy]?"
If yes: Use WebSearch:
"private money lending rates [strategy] 2025 2026""hard money lending rates [state] [year]""EMD lending Gator method returns [year]""real estate syndication returns [year]"Present current typical returns, LTV requirements, and popular asset classes for the lending type.
Help the user define 2–4 specific Lending Products — a product is a specific combination of loan type, amount, terms, and asset class.
"Let's define your specific Lending Products — think of these like items on a menu a borrower can choose from."
For each product, define:
Two focused lists for the infographic. Quality over quantity — 3–4 sharp items, no filler.
List 1: My Lending Products — specific products from Stage 4.
Format: Bold Product Name: specific details
Example: Transactional Funding: up to $25k SFR, same-day double-close, 1-2% flat fee
List 2: What I Offer — value propositions.
Format: Bold Topic: specific detail
Example: Speed: funding decisions within 24 hours, no committees
Present and ask to confirm before saving.
Path: brain/preferences/rei-lending-box.md
Tool: mcp__cloud-brain__write_note
Content to save:
Tell the user: "Your Lending Box is saved. When a wholesaler or flipper brings you a deal, just say 'Does this loan request fit my lending box?' and I'll evaluate it for you."
Generate a professional, shareable lending box card as an HTML file.
Ask:
Use the Write tool to create an HTML file at brain/lending-box-infographic-[slug]-[date].html.
The HTML renders a 1080×1080px card with:
<!DOCTYPE html>
<html>
<head>
<meta charset="UTF-8">
<style>
* { margin: 0; padding: 0; box-sizing: border-box; }
body { width: 1080px; height: 1080px; font-family: 'Georgia', serif; background: [header_bg_color]; }
.header { background: [header_bg_color]; color: white; padding: 40px 50px 30px; }
.lender-name { font-size: 36px; font-weight: bold; letter-spacing: 2px; }
.company { font-size: 20px; color: [accent_color]; margin-top: 4px; }
.tagline { font-size: 16px; color: rgba(255,255,255,0.7); margin-top: 10px; font-style: italic; }
.badge { display: inline-block; background: [accent_color]; color: [header_bg_color];
font-size: 11px; font-weight: bold; letter-spacing: 2px; padding: 4px 12px;
text-transform: uppercase; margin-top: 12px; }
.divider { height: 4px; background: [accent_color]; }
.body { background: #FAFAFA; padding: 30px 50px; }
.section-title { font-size: 13px; letter-spacing: 3px; text-transform: uppercase;
color: [header_bg_color]; margin-bottom: 16px; padding-bottom: 8px;
border-bottom: 2px solid [accent_color]; }
.product-item { padding: 10px 0; border-bottom: 1px solid #E8E8E8; font-size: 15px; color: #333; line-height: 1.5; }
.product-item strong { color: [header_bg_color]; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-top: 24px; }
.footer { background: [header_bg_color]; color: white; padding: 20px 50px;
display: flex; justify-content: space-between; align-items: center; }
.contact-item { font-size: 13px; color: rgba(255,255,255,0.8); }
.accent { color: [accent_color]; }
</style>
</head>
<body>
<div class="header">
<div class="lender-name">[LENDER NAME]</div>
<div class="company">[COMPANY NAME]</div>
<div class="tagline">[TAGLINE]</div>
<div class="badge">Private Lender</div>
</div>
<div class="divider"></div>
<div class="body">
<div class="two-col">
<div>
<div class="section-title">My Lending Products</div>
[LENDING_PRODUCTS items as .product-item divs]
</div>
<div>
<div class="section-title">What I Offer</div>
[WHAT_I_OFFER items as .product-item divs]
</div>
</div>
</div>
<div class="footer">
<span class="contact-item">[PHONE]</span>
<span class="contact-item accent">[WEBSITE]</span>
<span class="contact-item">[SOCIAL HANDLE]</span>
<span class="contact-item">[EMAIL]</span>
</div>
</body>
</html>
Tell the user: "Your Lending Box card has been generated. Open the HTML file in any browser and take a screenshot to get a shareable image. Share in Gator Communities, wholesaler Facebook groups, REIA meetings, and LinkedIn."
When user says "does this loan request fit my lending box?":
mcp__cloud-brain__search_notes with query lending box criteria| Criteria | My Lending Box | Request Details | Match? |
|---|---|---|---|
| Product type | [Products] | [Request type] | 🟢/🟡/🔴 |
| Loan amount | Up to $[Max] | $[Requested] | 🟢/🟡/🔴 |
| Asset class | [Saved class] | [Deal type] | 🟢/🟡/🔴 |
| Lien position | [Saved] | [Requested] | 🟢/🟡/🔴 |
| Geographic reach | [Saved] | [Location] | 🟢/🟡/🔴 |
| Deal breakers | [List] | None / [Flag] | ✅ / 🚨 |
npx claudepluginhub owenmecham/mbg --plugin reinvestor-profileGuides creation, editing, and verification of skills for AI coding agents using test-driven development with subagent scenarios. Use when authoring or debugging skills.