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  <url>
    <loc>https://enijilending.com/</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://enijilending.com/partners.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Guides -->
  <url>
    <loc>https://enijilending.com/sub-1-dscr-loan.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://enijilending.com/refinance-hard-money-to-dscr.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://enijilending.com/dscr-loan-first-time-investor.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://enijilending.com/portfolio-loan-rental-properties.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Field guides — discoverable for educational queries -->
  <url>
    <loc>https://enijilending.com/downloads/eniji-dscr-rental-field-guide.pdf</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://enijilending.com/downloads/eniji-fix-and-flip-field-guide.pdf</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://enijilending.com/downloads/eniji-bridge-loan-field-guide.pdf</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://enijilending.com/downloads/eniji-portfolio-refinance-field-guide.pdf</loc>
    <lastmod>2026-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://enijilending.com/privacy.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://enijilending.com/terms.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://enijilending.com/disclosures.html</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
