Mark up the term sheet from the borrower's side
Lesson 3 of 6 · Finance the land
1 · Learn the move · Constraints + negative instructions
On a land loan the rate is rarely where the room is. The room is in the terms that decide whether the loan survives your plan: the release price per lot or parcel, the maturity against your approval and sales timeline, whether an extension is a right or a favour, what a reappraisal can trigger, and how far the guaranty reaches. Your side of the markup quotes each term as issued, marks which ones are worth an ask, and drafts the ask with a reason drawn from your own plan. Three negatives keep it honest. It never cites a 'market' term to argue with, because a precedent you cannot produce is a bluff the lender will call. It never says the lender will agree. And it never tells you what the guaranty or the release language means once it is papered, because that is counsel's read and the loan documents, not the term sheet, are what bind you.
Mark up this land-loan term sheet from my side. Quote each term as issued, mark it FIRM or ASK, and for the terms I flagged draft a PROPOSED ASK with a reason from my plan. Never cite a market standard, never predict acceptance, never state where my approvals stand, and route guaranty, release and reappraisal language to counsel. [term sheet] [my plan] [terms I want to push, ranked]
2 · Your turn. You write the prompt
You are buying a 9.2-acre infill tract in the town of Hollard Mill, Wexmoor County, to split into lots and sell to builders. Hesketh State Bank issued a term sheet with a per-lot release price, an 18-month maturity, one extension at the bank's discretion, a full guaranty and an open reappraisal right. You want to push on the release price first and the extension second. Write the prompt that drafts your asks without bluffing about what other lenders give.
Write the prompt for this scenario as given, or swap in a real one from your own work. The score works the same either way.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
Optional. These shape the output when you run your prompt below, not your score.