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Deal input to investor package
in three steps.

No spreadsheet gymnastics. No copy-paste between tools. One workflow from raw inputs to a lender-ready report package.

1

Enter your deal assumptions

Input the property address, purchase price, rent roll, lease structure, NNN reimbursements, operating expenses, and financing terms. Every field includes plain-language labels and expected ranges. Commercial lease complexity (NNN, gross, modified gross, absolute net) is handled automatically.

Purchase priceRent rollNNN structureFinancing terms
2

Run the deterministic engine

Submit the form and the underwriting engine runs immediately. No waiting, no queueing. Every number traces back to a specific input with its source status (Estimated, Reported, or Verified). Engine warnings flag assumptions that could affect output reliability before you export anything.

NOICap rateDSCRIRR

Also computed: cash-on-cash return, debt yield, NPV, MIRR, sensitivity matrices, pro forma schedule, and Maximum Allowable Offer (reverse-solved against your target IRR, cap, DSCR, debt yield, or cash-on-cash). Every deal is scored against six published lender readiness profiles: CMBS, Life Co, Bank (all stabilized retail), SBA 7(a) owner-occupied, Fannie Mae small-balance multifamily, and Freddie Mac SBL multifamily.

3

Review and export the report package

Review engine warnings, source evidence, and the AI memo draft before export. Choose one of six report profiles (Investor Memo, Lender Package, Committee Memo, Agency Readiness View, Lease Abstract Appendix, or Commercial OM) paired with one of five themes. Export to PDF, generate a secure share link, or push the deal to your CRM via the existing push queue.

PDF exportShare linkCRM push

Every report includes a property-location map (Mapbox enterprise plan; your deal data never touches a generic map provider).

Why this matters for CRE

Underwriting starts with knowing the asset. Researching land and parcel data? LandScore provides parcel-level land scoring to inform the inputs behind every deal.

No black-box outputs

Every metric cites the formula and the inputs behind it. Lender reviewers can trace every number without calling you.

AI assists, engine decides

The AI drafts the narrative memo and extracts lease abstracts. The deterministic engine computes the financial outputs. They do not override each other.

Export-ready in one pass

The review checklist surfaces every warning and missing input before your report leaves the system. No silent gaps in a shared document.

Run your first deal in under five minutes.

Single-tenant NNN retail is fully supported. Residential, office, and multifamily pipelines are in development.

© 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.