DSCR Lending · 48 States

One operator.
A lot of AI.
Real deals.

Non-owner-occupied investment property loans, processed with AI and reviewed by a human at every critical step. No runaround. No black box.

Submit a Deal → See how it works

What this is

Built different.
On purpose.

Most brokers are a phone call and a pile of PDFs. This isn't that. Here's what's actually happening on our end.

01 / AI-POWERED

The workflow runs on software

Deal intake, document review, DSCR calculations, lender matching — AI handles the legwork. Faster processing, fewer errors, no missed details at 2am.

02 / HUMAN-REVIEWED

Nothing important moves without human eyes

Every deal that moves forward gets reviewed by a real person with real lending experience. AI handles the process. Humans make the calls that matter.

03 / RUNNING IN PUBLIC

This is a live experiment

The tools, the process, the results — documented publicly. If you're curious what AI-assisted lending actually looks like in practice, you'll find out.

Process

How a deal moves.

Submit your numbers

Run the calculator or submit a deal. Property info, estimated rent, loan amount. Takes three minutes. No account, no portal, no sales call required to start.

We run the analysis

DSCR calculated, property type assessed, lender matrix checked. You get a real response within 24 hours — whether it's a path forward or an honest no.

Human moves it forward

If it pencils, a human takes it from here. Available in 48 states. No gray areas.

Running in public

This is a documented experiment in AI-assisted lending. The tools, the process, and the results get written about publicly. Deal details stay private — no borrower names, addresses, or identifying information is ever shared. If working with someone who documents their work makes you nervous, this might not be the right fit. If it sounds like someone worth working with — welcome to the party!

Follow the experiment → @dscrmebro

Danny Cox — Human in the Loop

Operator · @dscrmebro

→ LinkedIn → TikTok @dscrmebro → danny@principl.ai

Nearly 20 years of experience across consulting, SaaS, and real estate. The DSCR space is full of brokers who slow-roll deals and hide their process. I built this to see what happens when you strip that out — AI does the process work, I stay in the loop on everything that matters.

Non-owner-occupied investment property is what we do. If your deal doesn't fit, I'll tell you that too.

Revenue Infrastructure Architect · principl.ai UNR College of Business Instructor · MBA in progress Available in 48 states

Ready to go?

Let's look at your numbers.

Non-owner-occupied investment property only. SFR, 2–4 unit, multifamily, and short-term rental. No credit pull. No obligation.

Available in 48 states. Not currently available in North Dakota or South Dakota.

Submit a Deal → Run the Calculator First