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The Incomplete DSCR Package ProblemRead more

Turn Loan Packages IntoPolicy-Aligned Underwriting Intelligence

Dashboard, PDF, and auditable JSON outputs for credit policy-aware compliance intelligence.

How It WorksGet Started

Read a full underwriting snapshot with clear status, risk, and confidence signals.

Underwriting Intelligence in Action

Watch it turn a loan package and credit policy into review-ready outputs in minutes

123 Main St, Columbus, OH 43215
15 documents

Processing Timeline

Document Detection
Scans and identifies all files in the package
Document Analysis
Classifies documents by type and purpose
Data Extraction
Extracts structured data from all documents
Quality Validation
Cross-references data for accuracy
Financial Calculations
Computes all key financial metrics
Underwriting Intelligence Analysis
Evaluates risk dimensions against your policy criteria
Report Generation
Generates comprehensive dashboard

Multi-Format Intelligence Deliverables

Access underwriting intelligence as PDF report, JSON API, or spreadsheet export

Loan Intelligence Report

NEEDS DOCUMENTATION

Borrower

John Doe

Main Street Properties LLC

Property

123 Main St, Columbus, OH 43215

Single Family
DSCR Purchase•$360K • 80% LTV • 7.25% • 30 Year Fixed
✓
Application
✓
Pre-Qual
3
Underwriting
4
Review
5
Closing
6
Funded
Phase Progress
85%
Outstanding: Title Commitment • Tax Returns

Review Summary

CONDITIONS IDENTIFIED

Package Readiness

76

050100

The package demonstrates strong fundamentals across key dimensions. The borrower presents excellent creditworthiness with a FICO score of 740, substantial financial reserves ($800K liquidity, $2M net worth), and conservative leverage at 80% LTV. Missing documentation still needs follow-up before final review: title commitment and tax returns.

Risk Assessment

Credit

Low

Collateral

Low

Liquidity

Low

Documentation

Medium

Strengths

  • +Strong borrower creditworthiness (FICO 740)
  • +Excellent liquidity position ($800K available)
  • +Conservative LTV at 80% provides equity cushion
  • +Adequate DSCR of 1.25x meets minimum requirements
  • +Net worth of $2M demonstrates financial capacity

Action Required

  • !Submit title commitment before closing
  • !Provide 2023-2024 tax returns for final verification
  • !Rent roll required to confirm DSCR calculation

Credit Policy

Standard DSCR Guidelines
ALIGNED WITH POLICY
Policy Alignment
88%

Based on the documents provided, the package aligns with key DSCR policy requirements. Human review remains required for any lending decision.

By LoanIntelligence.ai

For use by licensed mortgage professionals only. This is a document processing and data aggregation tool. It does not make credit, underwriting, or lending decisions and does not provide credit advice. All decisions remain the sole responsibility of the reviewing professional.

Ready to transform your underwriting workflow?

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Solutions for Every Stage of the Loan Lifecycle

Whether you're assessing deals, packaging files, or underwriting loans—get instant intelligence tailored to your workflow

For DSCR Lenders

Policy-Aligned Review, Faster

Turn complete or incomplete DSCR loan packages and lender credit policies into review-ready intelligence with missing-document visibility.

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    For Loan Packaging

    Eliminate Rejections

    Catch errors before lenders do. Automated quality control ensures completeness and accuracy. Process 3x more packages with confidence.

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      For Underwriting Teams

      Save 5 Hours Per Package

      Turn manual underwriting into intelligent automation. Excel-accurate calculations, complete audit trails, built-in compliance checks.

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        Compare Costs

        See what manual underwriting costs vs. review-ready package intelligence

        Market cost
        $150
        Manual Underwriting
        LoanIntelligence.ai
        $20
        Manual Underwriting
        Market cost
        2-5 hours
        Processing Time
        LoanIntelligence.ai
        ~3 min
        Processing Time
        Market cost
        $400-600
        Loan Packaging Service
        LoanIntelligence.ai
        $20
        Loan Packaging Service
        Manual underwriting (100 loans/mo)
        $15,000+ / mo
        Underwriters @ $150/loan with 2-5 hours per package
        Automated intelligence
        $1,500 / mo
        Professional plan + 25% discount on every document
        View Pricing Plans

        Don't Wait for Complete Packages

        $1 per document. Submit what you have now and get review-ready outputs at every stage, even from partial packages.

        DAY 1 - Initial Application

        Loan App + ID + Pay Stubs

        Dashboard: Borrower info, partial income verified

        3 documents total
        Processing Cost
        $3
        3 loan docs × $1
        DAY 3 - Financial Docs

        Bank Statements + Tax Returns + Financials

        Calculations: LTV 80%, DSCR 1.25, DTI 42%

        +10
        13 documents total
        Processing Cost
        $10
        10 loan docs × $1
        DAY 5 - Property Docs

        Appraisal + Insurance + Property Photos

        Dashboard: Complete

        +15
        18 documents total
        Processing Cost
        $5
        5 loan docs × $1
        FINAL PACKAGE

        Complete Underwriting Package

        Dashboard complete with calculations, discrepancy visibility, and review-ready outputs.

        18 documents total
        Complete Package Cost
        $18
        18 documents × $1 each
        Save $125-500 vs manual underwriting per loan

        Lifecycle-Aware Intelligence at Every Stage

        Whether you submit 3 documents or 20, you always get complete outputs

        $1 per loan document. Start with whatever you have. Add docs as they arrive. Intelligence updates automatically.

        Dashboard

        Complete borrower profile with all extracted data

        Missing Docs Checklist

        Know exactly what's missing for complete underwriting

        Flagged Corrections

        Discrepancies and data-quality issues surfaced for review

        Financial Calculations

        LTV, DSCR, DTI calculated from available data

        Underwriting Intelligence

        Review-ready package and policy context

        Start Processing Today

        No setup fees. No minimum commitment. Choose your plan and start processing immediately.

        How It WorksGet Started

        Transparent Pricing

        Package-scale pricing for lenders, operators, and developers.

        Common Questions

        How does progressive processing work?

        Submit loan documents as they arrive - even incomplete packages. You get lifecycle-aware outputs (dashboard, calculations, discrepancy visibility, and policy alignment) at every stage for $1 per document.

        See How It Works

        Can I use my own credit policy?

        Yes. Upload your credit policy once, then every processing run evaluates the package against YOUR guidelines with policy-alignment signals, gaps, and citations.

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        How do I integrate with my LOS?

        Use our JSON API for direct LOS integration, or enable Google Drive automation for continuous background processing. Optional intake workflows can route new applications directly into your Drive intake folder.

        Learn About Integration
        View All FAQs & See How It Works