Proprietary AI Underwriting Language — The Language Lenders Underwrite In
Proprietary Underwriting Engine

The language lenders
actually underwrite in.

A proprietary AI underwriting framework that translates your deal into the exact signals capital sources evaluate — parsed, scored, and packaged the way lenders want to see it, so the file speaks their language before it reaches their desk.

underwrite.deal
# input: raw scenario
asset = "Multifamily · $12.5M"
sponsor = { exp: "strong", liquidity: "ok" }
# engine output
→ sponsor_strength A−
→ stabilization_risk 28 / low
→ funding_probability 82 / 100
→ recommend "LTV < 70%"
95%+
Lender Match Accuracy
10x
Faster Underwriting
3,500+
Lenders & Investors
A–F
Standardized Deal Grade
A Word from the Creator

Meet the mind behind PAUL™

A short introduction from Jeff LaVigne — the creator of the Proprietary AI Underwriting Language framework.

The Framework

Five passes that turn a scenario into a fundable file.

The engine reads every deal the same disciplined way a seasoned underwriter would — only instantly, and in a structure capital sources recognize on sight.

01

Parse the deal

Raw scenario in — asset, sponsor, leverage, timeline, exit. The engine normalizes it into structured underwriting inputs.in: raw scenario → out: structured inputs

02

Score the sponsor

Experience, liquidity, and track record resolve to a Sponsor Strength Rating™ — the first signal every lender reads.in: borrower profile → out: A–F grade

03

Model the risk

The Stabilization Risk Score™ forecasts whether the asset reaches stable cash flow on schedule, flagging exposure early.in: asset + market → out: risk index

04

Structure the recommendation

The engine returns the exact adjustments — leverage, reserves, structure — that raise the deal's grade before submission.in: weak points → out: ranked fixes

05

Package for capital

The output is a clean, lender-ready summary spoken in the language capital sources underwrite in — no translation required.in: scored deal → out: lender-ready package

What the Engine Evaluates

A documented scoring system — not a black box.

Every grade traces back to defined inputs, so you always know why a deal scored the way it did and what to change.

// rating

Sponsor Strength Rating™

An A–F grade on borrower experience, liquidity, and verified track record across prior projects.

// index

Funding Probability Index™

A 0–100 likelihood the deal gets funded, weighted across sponsor, asset, structure, and market.

// risk

Stabilization Risk Score™

A forecast of how likely the asset reaches stable, lender-accepted cash flow on the projected timeline.

// exit

Refinance Probability™

Models the takeout before you enter — the odds and timing of refinancing into long-term debt.

// match

Capital Fit Signal

Translates the scored profile into the lenders and investors most likely to fund this exact structure.

// improve

Deal Improvement Set

The ranked, specific changes that move a borderline file into fundable territory before submission.

Certification

Speak the language fluently.

Brokers and capital advisors can get certified in the framework — learning to read every score, defend every grade, and package deals the way lenders underwrite them. Certification builds credibility with borrowers and capital sources alike.

Credential

PAUL Certified™

Translate Your Next Deal

Put your file in the language lenders fund.

Submit a scenario and see it scored, structured, and packaged the way capital sources actually underwrite — in minutes.