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Loan Intelligence Report
NEEDS DOCUMENTATIONBorrower
John Doe
Main Street Properties LLC
Property
123 Main St, Columbus, OH 43215
Underwriting Assessment
CONDITIONAL APPROVALOverall Score
76
The loan demonstrates strong fundamentals across all 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. Conditional approval pending receipt of 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 GuidelinesLoan meets all standard DSCR policy requirements. Strong credit profile and conservative leverage position this loan well within guidelines.
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贷款申请 + 身份证 + 工资单
仪表盘：借款人信息，部分收入已验证
银行对账单 + 税表 + 财务报表
计算：LTV 80%， DSCR 1.25，债务收入比 42%
评估 + 保险 + 物业照片
仪表盘：已完成
完整承销套餐
仪表盘已完成所有计算、风险评分，并准备好承销情报以供决策.
每个阶段相同情报
无论你提交 3 份文件还是 20 份，你始终能获得完整输出
$1 每份贷款文件。从你已有的开始。随文件到来添加。情报会自动更新.
仪表盘
完整借款人档案，包含所有提取的数据
缺失文件清单
了解完整承保所缺失的内容
已标记的修正
AI识别的差异与数据质量问题
财务计算
LTV, DSCR, DTI由可用数据计算
承保智能
风险评估与决策就绪洞察