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.