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Deterministic engine · every number cites its source

Commercial real estate underwriting
in minutes, not hours.

Source-linked deal analysis, AI memo drafts, and lender-ready report packages from one workflow. Deterministic engine. Every number traces to an input.

aiunderwriting.net/app/deals/houston-retail

Houston Retail · NNN Single-Tenant

engine v0.2.0 · computed just now

Passes 5 of 6 lender profiles
Cap rate
7.25%+0.25
DSCR
1.42+0.08
Debt yield
9.10%+0.10
IRR (5-yr)
18.30%0.40

Illustrative figures for demonstration. Your numbers will reflect your inputs.

Enter property and deal

Input address, purchase price, rent roll, expenses, and financing. Commercial NNN, gross, modified gross, and absolute net leases are handled directly.

Run engine analysis

Deterministic math computes NOI, cap rate, DSCR, IRR, cash-on-cash, and debt yield. Every output cites its formula and input.

Export report package

AI memo drafts, source coverage, and a branded PDF in one of six profiles. Push to CRM, share via secure link, or hand to a lender.

Maximum allowable offer

Reverse-solve the highest price you can pay.

Tell us your target IRR, cap rate, DSCR, debt yield, or cash-on-cash. The engine reverse-solves the highest price you can pay and still hit your target. Closed-form solver for cap, debt yield, DSCR, and cash-on-cash. Brent solver for IRR. See which constraint binds.

Solvers

  • Cap rateLive
  • Debt yieldLive
  • DSCRLive
  • Cash-on-cashLive
  • IRR targetLive

Every solver reports which constraint binds, so you know exactly what’s capping your offer.

Lender readiness across six profiles.

Every deal is scored against six published lender profiles. Pass, warn, or fail per profile, with the binding constraint named explicitly. Thresholds are public norms, not bank-specific commitments.

CMBS — Stabilized Retail

DSCR
>= 1.25
Debt yield
>= 9.0%
LTV
<= 70%

Life Co — Stabilized Retail

DSCR
>= 1.30
Debt yield
>= 9.0%
LTV
<= 65%

Bank — Stabilized Retail

DSCR
>= 1.25
Debt yield
>= 8.5%
LTV
<= 70%

SBA 7(a) Owner-Occupied

DSCR
>= 1.20
Debt yield
>= 8.0%
LTV
<= 85%

Fannie Mae Small Balance Multifamily

DSCR
>= 1.25
Debt yield
>= 7.0%
LTV
<= 80%

Freddie Mac SBL Multifamily

DSCR
>= 1.20
Debt yield
>= 7.0%
LTV
<= 80%

Scorecard reference: packages/reporting/src/readiness.ts.

Six report profiles. Five themes. Your branding.

Investor Memo, Lender Package, Committee Memo, Agency Readiness View, Lease Abstract Appendix, and Commercial OM. Pair any profile with one of five themes: Modern Institutional, Warm Premium, Bold Contemporary, Classic Conservative, or Minimal Editorial.

See an example from each profile

Property maps on every report.

Every report includes a property-location map. We use Mapbox under our enterprise plan; your deal data never touches a generic map provider.

Provider
Mapbox (enterprise)
Data handling
Never logged to third parties
Map types
Location + aerial
Included in
All six report profiles

Every deal you underwrite makes the platform smarter.

Outcome capture asks what actually happened on day 7 and day 30. Variances feed back into peer benchmarks. Opt-in; off by default.

Source-linked. Engine-verified. User-reviewed.

Every number traces to an input. AI assists, the engine decides, you remain responsible for review and verification.

© 2026 AI Underwriter. For investor analysis only — not an appraisal, credit decision, agency approval, legal advice, or tax advice. Verify all assumptions before relying on any output.

AI Underwriter is a product of J&A Higgins Enterprises LLC.