LEGAL

Terms of Use & Disclosures

Effective October 21, 2026 · Last updated October 22, 2026

Business-purpose lending · Estimates · Deal X-Ray · Acceptable use · Text message terms · Accessibility · Legal

These terms govern your use of the website and tools operated by MNB Holdings LLC d/b/a Investors First Lending ("IFL," "we," "us"). By using them you agree to these terms and our Privacy Policy.

1. Business-purpose lending only

IFL makes business-purpose loans to entities (such as LLCs) to buy, renovate and resell non-owner-occupied residential investment property in Maryland. We do not make consumer, personal, family or household loans, or loans on a home the borrower or a family member lives in or plans to live in. Each borrower will confirm the business purpose of the loan in writing.

2. Estimates are not offers

The Snapshot, calculators, examples and published terms (including 12% fixed rate, 2 points plus $1,850 fee, 6-month term, tier levels and loan-to-value limits) are illustrations and estimates, not offers, approvals, rate locks or commitments to lend. Sending a Snapshot is not a loan application.
Rates, fees and terms are subject to underwriting, verification of experience (including flips per year), property review, title and insurance, available funds, and final loan documents, and may change without notice.
Statements such as "close in as little as 2 days," "no appraisal" and "$0 to close" apply only to qualified deals. Actual timing depends on title, insurance, documents and the property.
"Cash you don't tie up" and similar comparisons show cash paid before sale against an example monthly-pay loan described next to the comparison. They are not quotes from any other lender and do not compare total cost. IFL interest, points and fees are paid at payoff.
Lending decisions are ours. IFL is a private lender. We decide whether to make any loan in our sole discretion and may decline any request, at any stage, for any reason not prohibited by law, even if the borrower or deal appears to meet our published tiers, criteria or minimums. Meeting a tier level (such as flips per year) makes a borrower eligible to be considered for it; it does not entitle anyone to a loan or to particular terms.
Response-time statements (within 1 hour, 8am–8pm Eastern) describe our goal for business days and normal operations.

3. Deal X-Ray and public data

Deal X-Ray shows information from public sources, including Maryland Department of Assessments and Taxation records, FEMA flood maps and Baltimore City open data. It is provided "as is" for convenience, may be incomplete or out of date, and is not an appraisal, inspection, title search or flood determination. Corrections you enter are sent to IFL only. Hiding the address on screen does not change how it is sent: all submissions travel over an encrypted (HTTPS) connection.

4. Acceptable use

You may use the site to evaluate financing for your own deals. You may not:

scrape, crawl, copy, harvest or bulk-download the site, its tools, terms or data, including with bots, scripts or AI agents;
use any content to train, fine-tune or benchmark artificial-intelligence or machine-learning systems;
submit false information, other people's information without permission, or automated or fake submissions;
interfere with, probe or overload the site, or get around any security or rate limits.

We may block access, ignore submissions and pursue any remedies available for violations. Site content, design, the Snapshot and Deal X-Ray are owned by IFL; FUEL, FLOW, FLIP, Snapshot and Deal X-Ray are IFL product names.

5. Text message (SMS) terms

Program: Investors First Lending deal updates. If you check the consent box, IFL may text you at the number you gave about your deal, your Snapshot and your loan, including follow-ups and scheduling.

Consent is not a condition of getting a loan or any other service.
Message frequency varies. Message and data rates may apply.
Reply STOP to cancel at any time; you will get one confirmation text. Reply HELP for help, or call 888-241-FUND (3863) or email nick@investorsfirstlending.com.
We text between 8am and 8pm Eastern unless you text us first.
Carriers are not liable for delayed or undelivered messages.
No mobile information is shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.

6. Accessibility

We want everyone to be able to use our site and aim to meet WCAG 2.1 AA guidelines. If something does not work for you, call 888-241-FUND or email nick@investorsfirstlending.com and we will help you directly and fix the issue.

7. Legal

No warranties. The site and tools are provided "as is" without warranties of any kind, to the fullest extent allowed by law.
Limitation of liability. To the fullest extent allowed by law, IFL is not liable for indirect, incidental or consequential damages from use of the site or tools, and our total liability for any site-related claim is limited to $100. Loan agreements, when signed, govern your loan.
Governing law. Maryland law governs these terms. Disputes about the site will be heard in the state or federal courts located in Maryland, and you consent to their jurisdiction.
Changes. We may update these terms by posting a new version here with a new date.
Equal credit. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning IFL is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. If we decline a loan application, you may request the reasons as provided by law.

Contact

MNB Holdings LLC d/b/a Investors First Lending
57 W. Timonium Rd., Suite 105A, Timonium, MD 21093
888-241-FUND (3863) · nick@investorsfirstlending.com