For Lenders
You originate. We service of record.
Private money lenders, hard money funds, and broker-dealer originators hand DSI the post-close lifecycle — trust accounting, investor distributions, RESPA/TILA-grade compliance, demand turnaround, and workouts when loans go sideways.
What Lenders Actually Hire Us For
Four Problems, Four Patterns
The structural problems that turn a small private-lending operation into a compliance and ledger nightmare — and DSI's operational answer to each.
Trust Accounting Without Liability
The pain: Commingling investor funds with your operating account is a CA Finance Lenders Law issue and a fund auditor red flag.
DSI: DSI holds all escrow, impound, and investor distributions in segregated trust accounts. Reconciled monthly. Reports delivered straight to your auditor.
Broker Fee Disbursements at Payoff
The pain: When a payoff includes broker points, mortgage broker fees, or referral splits, manual disbursement creates 1099 exposure and ledger errors.
DSI: DSI's payoff workflow calculates and disburses broker fees, points, and referral splits automatically — with a clean audit trail and 1099-NEC reporting at year-end.
White-Label Without Losing the Borrower
The pain: You closed the loan. Your borrower thinks they're paying your company. A generic servicer's letterhead breaks the relationship.
DSI: DSI provides white-label borrower statements, payment portals, and demand letters branded to your firm — your borrower never sees DSI; you keep the brand.
RESPA + TILA on Owner-Occupied
The pain: Owner-occupied consumer loans trigger TILA, RESPA, ATR, and state-specific consumer protections most private-money servicers handle wrong.
DSI: DSI runs a separate workflow for consumer loans: TRID disclosures, RESPA Section 6 acknowledgment, periodic statement requirements, and Homeowner Bill of Rights compliance — handled, not flagged.
Getting Started
From Discovery Call to Live ACH in Under Two Weeks
A four-step path that respects your timeline and meets RESPA Section 6 servicing transfer requirements end-to-end.
Discovery Call
We map your portfolio: loan types, volume, investor structure, owner-occupied vs. business-purpose mix, and any active workouts. Frank takes this call personally.
Servicing Setup
Trust accounts opened in your name. Payment schedules, broker disbursement rules, fee structures, and white-label templates configured. Compliance review of every loan file.
Boarding & Migration
Loans boarded in 48 hours from complete docs. Existing loans: full data migration with borrower notification packets per RESPA Section 6 servicing transfer rules.
Go Live
First ACH cycle runs on schedule. First investor reports delivered the following month. Your account manager calendar shows weekly check-ins for the first 90 days.
What You Get
An operations partner, not an outsourcer
DSI is sized for private lenders — not a 50,000-loan call-center book. That means your portfolio gets named attention, your borrowers stay with you, and your investors see institutional-grade reporting.
- Originate more — your back office grows without hiring
- Investor reporting your CPA and fund auditor will accept
- Trust accounting that keeps you on the right side of CFL and RESPA
- Workout team for distressed loans — modification through trustee sale
- Same-day demand turnaround for refis and dispositions
- Named account manager + direct line to Frank Williams
Standards We Publish to Lenders
DSI is operated under DRE# 01979442 / NMLS# 1858674 in West Covina, California — a licensed brokerage, not a third-party tech vendor.
FAQ
Lender Partnership FAQs
Ready to hand off the back office?
The first call is with Frank. We'll map your portfolio, identify the compliance gaps, and quote a servicing program in writing.
Schedule a Discovery Call