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Live output
Every value, traced.
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Lucent Flow · Generated output
Credit Analysis
Deal No. 0047
May 20, 2026
Confidential
- Borrower
- Oak Ridge Holdings, LLC
- Property
- 124 unit multifamily · Denver, CO
- Loan request
- $14,200,000
- Purpose
- Stabilized acquisition financing
1.0 Executive summary
The loan supports acquisition of a stabilized multifamily asset with in place occupancy of 94.2%. Repayment is sourced to in-place cash flow at an underwritten 6.5% cap rate.
2.0 Key credit metrics
| Metric | Value | Source |
|---|---|---|
| Debt service coverage (DSCR) | 1.29x | P&I · Row 42 |
| Debt yield | 9.5% | NOI ÷ loan principal |
| Stabilized NOI | $1,352,000 | Tab 2 · C14 |
| As stabilized LTV | 68.3% | Summary · D9 |
| As stabilized value | $20,800,000 | Conclusion p.18 |
Figures update when the linked workbook changes. Export blocked if trace links break.
3.0 Repayment and exit
Primary exit: refinance to agency permanent debt at maturity. Sensitivity to a +100 bps rate move yields DSCR 1.16x.
Page 1 of 12
Sensitivity testing
Stress testing, with a smarter and visualized underwriting workflow.
Move any input: rate, cap, occupancy, NOI, and watch coverage, LTV and yield recalc instantly from sourced inputs. No re keying.
- Effective rate
- 6.25%
- Annual debt service
- $1,049,182
- As stabilized value
- $20,800,000
Above policy floor 1.20x
Within band 65–70
Strong yield
| Scenario | DSCR | LTV | Yield |
|---|---|---|---|
| Base case | 1.29x | 68.3% | 9.5% |
| NOI −10% | 1.16x | 75.9% | 8.6% |
| Rate +100 bps | 1.16x | 68.3% | 9.5% |
| Cap rate +25 bps | 1.29x | 70.9% | 9.5% |
| Occupancy −5pt | 1.22x | 72.1% | 9.0% |
| Stress combined | 1.10x | 76.5% | 8.8% |
AI · clearly bounded
AI drafts the language for human review. The engine owns the math.
Calculations never leave the deterministic engine. AI is constrained to drafting in your firm's voice, with sourced values it cannot rewrite.
The sponsor demonstrates sufficient liquidity to support debt service during the bridge term, with stabilized occupancy at 94.2% and an underwritten exit at a 6.5% cap per firm policy §4.2 language.
Matches your firm's standard sponsorship paragraph. Locked numerics stay tied to the model.
AI assistant
- Drafts analysis language
- Maps inputs to firm fields
- Flags missing inputs
- Matches your firm's tone
Deterministic engine
- Runs DSCR, LTV, yield
- Owns trace links
- Enforces policy rules
- Blocks export on break
Audit trail by default. Every edit is logged with editor identity. The model cannot change sourced figures.
Underwriting workflow
Consistent workflow map from discovery call to final closing.
Specialized agents handle mapping, drafting, and policy checks. Calculations stay on the deterministic engine so committee can audit any figure back to the model.
Step 1 of 6 · Ingest Agent
Import deal
Ingest Agent analyzes data in a comprehensive and holistic manner and notes crucial details. Tabs, named ranges, and prior firm mappings are remembered for the next deal.
| Property | Value | Source |
|---|---|---|
| Property | Oak Ridge Apts | Tab 1 · B3 |
| NOI | $1,352,000 | Tab 2 · C14 |
| Loan amount | $14,200,000 | Tab 1 · C8 |
| Cap rate | 6.5% | Appraisal |
| DSCR | 1.29x | P&I · Row 42 |
412 cells mapped · 12 named ranges remembered
Schedule a Demo
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We run your actual model through import, validation, and export during the demo. No generic deck. Forty five minutes, your data, your committee format.
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Median import → export on the call
100%
Of figures traced to your model
0
Calculations performed by the LM
6
Specialized agents in the workflow
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