AI reads credit reports, appraisals, bank statements, and tax returns—extracting every data point your underwriters need for fix & flip, bridge, and DSCR loans.
Built specifically for private real estate lending
Extracts credit scores, tradelines, payment history, and derogatory marks from Experian, TransUnion, and Equifax reports automatically.
Reads appraisal reports to extract property value, comparable sales, condition ratings, and ARV estimates for fix & flip deals.
Analyzes 2-12 months of bank statements to calculate average balances, identify NSFs, and verify liquidity for down payment and reserves.
Extracts AGI, rental income from Schedule E, and business income for DSCR loans. Calculates total income for qualification.
Reads PSA contracts to verify purchase price, closing date, earnest money deposit, and any seller concessions or contingencies.
Extracts line-item costs from contractor estimates—roofing, HVAC, kitchen, bath. Totals rehab budget for LTC calculations.
For DSCR loans, reads rent rolls and leases to verify monthly rental income, lease terms, and tenant occupancy for cash flow analysis.
Compares uploaded documents against the 9-document checklist. Flags missing items and auto-sends reminder emails to borrowers.
From 2-3 days to same-day underwriting
Underwriters spend 60% of their time reading docs and typing numbers into spreadsheets. AI does this in seconds, freeing them to focus on actual credit decisions.
AI flags mismatches—purchase price on PSA doesn't match appraisal, bank balance insufficient for down payment, credit score below minimum. Fix issues early.
Faster document review means faster decisions. Beat competitors who take 3-5 days. Borrowers choose lenders who can close in 7-10 days instead of 30.
Go from 50 loans/month to 150 without adding underwriters. AI handles the doc review gruntwork, your team handles exceptions and final decisions.
From upload to underwriting in minutes
Via portal or email. AI accepts PDFs, scanned images, even photos from phone cameras.
Automatically classifies: "This is a credit report. This is an appraisal. This is a bank statement."
Pulls credit score, property value, bank balance, income—all the numbers underwriters need.
Checks for missing docs, inconsistencies, red flags. Creates underwriting summary with highlights.
Opens pre-populated deal summary. All data extracted, organized, and ready for human review.
What operations and credit teams ask us most often
Document intelligence is an AI engine that reads your loan files—credit reports, appraisals, bank statements, tax returns, rent rolls—and turns them into structured data your LOS and underwriters can actually use. Instead of re-keying numbers into spreadsheets, your team opens files with LTV, LTC, DSCR, income, and liquidity already pre-calculated.
Mentyx focuses on the core stack for fix & flip, bridge, and DSCR loans: tri-merge credit reports, appraisals and BPOs, 2–12 months of bank statements, 1040 and Schedule E tax returns, purchase and sale agreements, contractor bids and rehab budgets, rent rolls, and leases. The system also checks against your standard checklist and flags what’s still missing.
Core fields are extracted with 95%+ accuracy and every value comes with a confidence score. Underwriters see the original document side-by-side with the extracted data and can correct any field with a single click. All overrides are tracked in an audit log so investors and regulators can see exactly what changed and why.
Watch us extract data from a real credit report in 10 seconds