Automated underwriting for fix & flip, bridge, and DSCR loans. Extract data, score risk, make decisions—all in one AI-powered platform.
Three integrated AI modules for end-to-end loan decisioning
ML-based risk analysis for LTV, LTC, DSCR, and ARV calculations. Real-time scoring with property-specific risk factors.
Automated approve/decline based on your credit policy. Visual rule builder, tiered decisioning, 70% auto-approval rate.
Full transparency into every AI decision. Compliance-ready audit trails, factor analysis, and adverse action notices.
From application to decision in seconds
AI reads credit reports, bank statements, tax returns, and appraisals. Extracts LTV, credit score, liquidity, experience.
ML models analyze LTV/LTC, DSCR, ARV ratio, borrower experience, property condition. Assigns 0-100 risk score.
Rules evaluate against your credit policy. Auto-approve (70%), conditional (20%), or decline (10%) with reasoning.
Every decision includes full breakdown—which rules triggered, risk factors, data sources, confidence scores.
Designed specifically for fix & flip, bridge, and DSCR loans
Understands fix & flip (ARV, rehab scope), bridge (stabilization exit), DSCR (rental income). Not generic mortgage AI.
First-time flipper vs. 50-flip veteran treated differently. Tracks completed projects, payment history, default rates.
Verifies post-close reserves—10-15% of loan amount in liquid assets. Flags insufficient liquidity before approval.
Neighborhood risk scoring (A/B/C/D), Days on Market analysis, local ARV comps. Adjusts LTV by market tier.
For bridge/DSCR: validates rental income projections, lease-up timeline, refinance capacity based on rate environment.
Train AI on your historical loans—your risk appetite, your performance data, your credit box. Not one-size-fits-all.
Speed, accuracy, and compliance in one platform
Go from 3-5 days to same-day approvals. 70% of clean deals auto-approved in seconds. Win deals against slower competitors.
90%+ decision accuracy with ML models trained on real estate lending data. Fewer defaults, better portfolio performance.
Handle 3x loan volume without hiring more underwriters. AI approves routine deals, humans focus on complex cases.
Every decision documented, explainable, and auditable. ECOA/Fair Lending compliant with adverse action notices.
Short answers your credit committee will actually care about
AI underwriting uses machine learning to analyze each deal based on LTV, LTC, DSCR, ARV, borrower experience and market data. Mentyx automates data extraction, risk scoring and recommendations, while your underwriters stay in full control of approvals.
Mentyx is built specifically for private real estate lenders and supports fix & flip, bridge and DSCR products. The models understand ARV-driven rehab projects, bridge stabilization exits and DSCR-based rental cash flows instead of generic mortgage logic.
Yes. AI prepares the analysis, risk score and recommendation, but humans always have final say. Underwriters can approve, decline or add conditions. Every override and rule evaluation is logged for a complete audit trail.
Watch us process a fix & flip loan from application to approval