AI CRE underwriting software

Aloan standardizes the borrower rent roll the moment it lands, whatever format it arrives in. It flags missing lease expirations, outsized tenant concentrations, and rollover cliffs, and it surfaces the appraiser's market rent assumptions next to in-place rent. If 28% of gross potential rent expires inside twelve months, that sits in the analysis before anyone gets comfortable with a trailing DSCR.

Your underwriter still owns the read. A medical office with two large tenants is a different risk than a strip center with two local restaurants. Aloan surfaces the concentration and the rollover. The underwriter decides whether it is acceptable given market depth, sponsorship, and replacement risk.

Aloan separates recurring from nonrecurring items, shows a source citation for every line, and keeps normalization transparent. If management fees run below market, your underwriter applies a policy reserve and Aloan preserves that override in the audit trail. If the trailing statement carries a one-time roof repair, Aloan surfaces the note supporting that treatment rather than asking the analyst to remember which PDF page explained the variance.

The same property spreads the same way every time, whoever opens the file. For the engine underneath, see AI financial spreading software.

Aloan structures the financials, lease schedule, and debt terms into one documented baseline and calculates DSCR and debt yield from it. Your team runs repeatable stress scenarios from that cited source, rate shock, vacancy, rent step-downs, higher replacement reserves, and TI/LC assumptions, instead of rebuilding the model by hand each time.

Examiners care that the stress was supportable, consistently applied, and visible in the credit file. If your institution is formalizing that governance, the examiner readiness guide is the companion read.

A CRE file routinely carries a 140-page Phase I report that gets read at the executive summary and nowhere else. Aloan reads every line and pulls the report's key sections into the file with page-level citations: site history, identified conditions, flood references, and any noted follow-up.

Counsel, the environmental consultant, and your policy still own the call. Aloan makes sure the analyst working a crowded pipeline does not miss a material item because it appeared on page 87 instead of page 7.

Aloan reads the full appraisal and surfaces its rent, cap-rate, and stabilization assumptions next to the operating statement, each cited to source. When the appraisal assumes market rent well above current in-place rent, that sits next to the rent roll analysis instead of in a separate document reviewed by a different person. When value depends on a future stabilization story, the stress case can reflect it.

The risk in an appraisal lives in the assumptions underneath the value conclusion. Aloan puts those assumptions in front of the underwriter so the review time goes to the parts that move value and repayment.

A CRE deal still rests on the people behind it. Aloan spreads the sponsor and guarantor tax returns, the entity and personal financial statements, and the debt schedules into the same source-cited format as the property analysis, tracing K-1s across the related entities. The underwriter gets global cash flow and real liquidity, not property-level coverage alone.

The spreading is the same work Aloan does on every commercial file, pointed at the people behind the property. For the mechanics, see tax return analysis for commercial lending and global cash flow analysis.

Many CRE deals are sponsor-analysis problems wearing a property-level wrapper. Aloan maps properties to entities and ties guarantor obligations across personal financial statements, entity tax returns, schedules of real estate owned, debt schedules, and prior-year K-1s. It surfaces where cash flow depends on a small number of assets or tenants and reconciles the sponsor narrative against what the returns actually show.

Your underwriter still decides what counts as meaningful secondary support. Aloan makes that call easier by showing the full picture rather than forcing someone to stitch it together from six PDFs and a yellow pad.