How does the Lender Match Agent work?

The Lender Match Agent analyzes your deal's DSCR, LTV, loan amount, property type, and exit strategy, then matches it to the most appropriate lending categories — DSCR loans, hard money, bridge financing, conventional investment loans, or portfolio loans.

What lender types does Underlytix match deals to?

DSCR rental loans, hard money / fix-and-flip loans, bridge financing, conventional investment property loans, multifamily agency loans, and portfolio lending products.

AI Agent

Lender Match Agent

Not every lender is right for every deal. The Lender Match Agent analyzes your deal and identifies the right lending category — before you make a single call or submit a single application.

Match My Deal to Lenders I'm a Lender

How It Works

Inputs & match logic

Deal Profile Inputs

Capital Readiness Score (from deal analysis)

DSCR

LTV

Loan amount

Property type

Exit strategy (hold, flip, refinance)

Desired loan term

Match Output

Primary recommended loan type

Alternative loan type options

Lender category fit score per type

Typical lender requirements for match

Red flags that may affect lender acceptance

Next steps recommendation

Loan Types

Lender categories the agent matches to

🏦

DSCR Rental Loans

For buy-and-hold investors. Qualification based on property income, not personal income. Best fit when DSCR ≥ 1.0 and LTV ≤ 80%.

🔨

Hard Money / Fix-and-Flip

Short-term asset-backed financing for rehab deals. Based on ARV and rehab experience. Fast close, higher rates, lower LTV standards.

🌉

Bridge Financing

Short-term loans for transitional assets — value-add, lease-up, or stabilization. Typical terms 12–36 months.

🏢

Conventional Investment

Fannie/Freddie investment property products. Best for stabilized 1–4 unit rentals with strong borrower profile.

🏙️

Multifamily Agency

Fannie Mae / Freddie Mac / HUD products for 5+ unit properties. Lower rates, longer amortization, more paperwork.

📁

Portfolio Lending

Community bank and credit union products held in-house. Flexible criteria, relationship-based, often best for unusual deals that don't fit standard boxes.

FAQ

Common questions

Why does lender matching matter? ▾

Different lenders specialize in different deal types. Applying to the wrong lender wastes time, generates hard credit pulls, and reduces your chance of approval. A DSCR lender won't fund a fix-and-flip. A conventional lender won't do a 0.75 DSCR deal. Matching to the right lender type first dramatically improves approval odds and speeds up closing.

Does Underlytix refer me to specific lenders? ▾

Underlytix identifies the right loan type and lender category for your deal. The Lender Portal allows lenders to receive matched deal submissions directly. The system is designed to connect qualified deals with appropriate lenders — reducing friction on both sides.