Bridge loan underwriting software for CRE lenders
vishwa.ai reads the rent roll and T-12, computes in-place and stabilized NOI, DSCR, and debt yield, and drafts the credit memo.
Documents received
- Rent rollSpread
- Trailing 12-month operating statementSpread
- Business plan and renovation budgetSpread
- Sponsor financial statementsSpread
- Guarantor personal financial statementsSpread
Computed for the memo
Exceptions verified by our credit experts
Every figure links to its source line. Your credit team makes the decision.
Sample property: 200-unit multifamily, value-add
| Line item | In-place | Stabilized |
|---|---|---|
| Occupied units | 1721 | 1903 |
| Occupancy | 86.0% | 95.0% |
| Effective gross income | 3,350,0002 | 4,120,0003 |
| Operating expenses | (1,610,000)2 | (1,750,000)3 |
| Net operating income | 1,740,000 | 2,370,000 |
| Loan amount | 23,500,0004 | 23,500,0004 |
| Debt yield | 7.4% | 10.1% |
| Debt service | 1,560,0004 | 1,720,0004 |
| DSCR | 1.12x | 1.38x |
Same rigor, a fraction of the time
With a full audit trail your auditors, examiners, and LPs can inspect.
- Faster deal closure
- 75%
- Reduce time from document intake to credit committee
- Accuracy with expert review
- 100%
- AI extracts, domain experts verify every output
- Audit trail coverage
- Full
- Every decision linked to source documents
The problem
Where bridge underwriting loses time
How it works
How vishwa.ai automates it
The analysis
The numbers on the credit memo
Frequently asked questions
Still deciding? Talk to our team.
Can vishwa.ai underwrite bridge and value-add loans?
Yes. Vishwa AI reads the rent roll and operating statements, computes in-place and stabilized NOI, DSCR, and debt yield, sizes the loan against your policy, and drafts the credit memo with both cases side by side.
How does vishwa.ai handle in-place versus stabilized NOI?
In-place NOI is built from the current rent roll and the trailing operating statement. Stabilized NOI uses the business plan assumptions you accept. Both cases show their inputs, so the committee can see what has to happen for the loan to refinance.
What rent roll formats can vishwa.ai read?
Property management system exports, spreadsheets with merged cells, PDFs, and scans. Units, tenants, rents, and lease dates are read into a standard layout, and our experts verify anything unclear.
Can vishwa.ai monitor a bridge loan through stabilization?
Yes. Periodic operating statements are filed against the loan, and occupancy and NOI are tracked against the business plan so slippage shows up well before maturity.
Is AI underwriting auditable and explainable?
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. Vishwa AI applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation, with people focused on the cases that need judgment rather than re-keying a T-12 into Excel.
Keep exploring
Related
Size a bridge deal from its rent roll
Send the rent roll and operating statement in whatever format you have. We will build the in-place and stabilized cases and draft the credit memo on a call.
