Map the conditions to fund before anyone says "clear to close"

1 · Learn the move · Refinement loop

'Clear to close' is a conclusion, and it belongs to the lender. Between the commitment on your land loan and the wire sits a list of conditions, and each one is either met by a specific document in your file or it is not. Land loans carry their own: a survey certified to the lender and the title company, not just to you; a zoning verification that names this parcel identifier, not the one next door; a flood determination; an appraisal the lender accepts; and formation and authority documents for the single-asset LLC that is borrowing. Build the tracker as a refinement loop. The first draft quotes each condition and names the evidence. The critique pass attacks every SATISFIED: is the document in the file, does it name the right parcel, the right entity, the right addressee, and does the condition need the lender's acceptance rather than just delivery. The redraft downgrades every row that fails and says why. What comes out is honest and a little humbling, and the bans do not bend: never 'clear to close', never 'ready to fund', never a condition met because it usually is.

Draft a conditions-to-fund tracker from the commitment and the evidence I paste. Then critique every SATISFIED row: document in the paste, right parcel, right entity, right addressee, lender acceptance required. Then redraft with the downgrades and list what changed and why. Never write clear to close or ready to fund.