LendEval is the Loan Readiness Intelligence Platform — built around the core promise 'Know Before You Apply'. It is a free, educational pre-underwriting platform that scores your real estate or business loan profile against the Five C's of Credit — the same criteria institutional lenders use — without performing a credit inquiry or collecting private personal identifiers.

What are the Five C's of Credit in loan evaluation?

The Five C's of Credit are Character (credit history and score), Capacity (income and debt service ability via DTI or DSCR), Capital (down payment and reserves), Collateral (assets securing the loan), and Conditions (loan purpose, market environment, and industry factors). Lenders use this framework to evaluate every commercial and business loan application.

Does LendEval pull my credit or require a Social Security Number?

No. LendEval performs zero credit bureau inquiries (neither soft nor hard pulls). No Social Security Number (SSN) or Tax ID (EIN) is required. Your assessment is entirely private and educational.

What Debt Service Coverage Ratio (DSCR) do lenders require for commercial loans?

Most commercial lenders require a minimum DSCR of 1.20x to 1.25x, meaning property or business Net Operating Income must exceed annual debt service by at least 20% to 25%. SBA 7(a) guidelines typically look for a minimum 1.15x to 1.25x coverage.

How do commercial loan brokers use LendEval with their CRM?

Commercial loan brokers use LendEval to track client borrower evaluation drafts, receive automated alerts when client assessments remain idle for over 48 hours, and automatically push structured lead payloads via webhooks to CRMs including Zapier, Make, HubSpot, Salesforce, and Zoho CRM with HMAC signature verification.

Is LendEval completely free to use?

Yes. LendEval is 100% free. Both the real estate loan readiness assessment and business loan eligibility assessment, as well as the rent roll extractor, SBA document checklist, and scenario modeling tools, are available at no cost.

RE Scenario Modeling

Real Estate Scenario Modeling

Model a specific deal across Best, Base, Worst, and Black-Swan scenarios with IRR, ROI, Net Cash Flow, and downside exposure analysis.

Dual-Prompt AI Pipeline

Generator → Evaluator/Refiner·Best / Base / Worst / Black-Swan Scenarios

Input Data

Underwriting Methodology & Evaluation Framework

LendEval's dual-prompt real estate intelligence pipeline assesses property performance through the lens of commercial and investment mortgage underwriting. Our models evaluate key risk drivers including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), debt yield, property type concentration, and downside sensitivity under adverse economic conditions.

Key Underwriting & Risk Metrics Modeled

Debt Service Coverage (DSCR)

Measures net operating income against annual debt obligations. Institutional lenders typically require a minimum DSCR of 1.20x–1.25x for residential investment and commercial properties.

Concentration & Exposure

Quantifies equity and asset exposure across property types (single-family, multifamily, commercial) and geographic markets to prevent catastrophic correlation risk.

Downside Stress Scenarios

Simulates financial performance across Base, Worst-Case, and Black-Swan environments, factoring in interest rate jumps, localized rent declines, and vacancy shocks.

Frequently Asked Questions

Does running this analysis affect my credit score?

No. LendEval is strictly an educational pre-application analytics tool. We never perform hard or soft credit inquiries, require Social Security Numbers, or share private financial data.

How does the dual-prompt AI pipeline work?

Our pipeline utilizes a two-tier evaluation model: Stage 1 calculates quantitative underwriting ratios and draft findings, while Stage 2 performs secondary adversarial review to stress-test assumptions and refine actionable recommendations.

Can I use this output for loan applications?

Yes. The generated portfolio summaries and scenario models can be exported or saved to help you present a comprehensive loan package to commercial lenders, credit committees, or equity partners.

AI-generated analysis is for informational and strategic planning purposes only. Not financial, investment, or lending advice.