ARCSTONEFinancial
Private · ArcStone Financial

What if every AMP file arrived already read?

Built for Mardi Kari and the ArcStone leadership table.
100× · built for ArcStone IMN Non-QM Forum · Dana Point

What if every AMP file arrived already read?

Bank statements, P&Ls, rent rolls. Your programs price the borrowers the agencies cannot read. AI agents can do that reading overnight, inside your ICE stack.

Call Nik 412.320.1130 →
or ceo@100x.inc
7
AMP programs to put agents under
24 mo
Of statements, read by morning
1
Call to check the fit
scroll
The read · before anything else

What your own pages say about you.

01 · The book
AMP runs on documents.
Bank statement, P&L, DSCR and ITIN all price paper the agencies skip.
Source: arcstoneinc.com/AMP
02 · The footprint
LA-born, licensed coast to coast.
Founded 1999 on Hillhurst, now twenty-plus states with broker partners growing.
Source: arcstoneinc.com licenses + nav
03 · The stack
The file lives in ICE.
Your portal runs ICE Mortgage Technology, so agents work inside it.
Source: arcstoneinc.com loan-app
Off-read? 412.320.1130 sets us straight.
03 · Built for your table

Written for the people who run ArcStone.

Forward this page. Every seat at your table has a line in it.

Mardi Kari
Mardi Kari
President
The AMP growth story, without a matching headcount line.
Underwriting
The credit seat
The AMP box, enforced on every file. Exceptions cited, never slipped.
Operations
The floor seat
Files prepped overnight. The floor stops being the bottleneck.
Production
The growth seat
Broker partners get scenario answers in minutes, sources cited.
Compliance
The audit seat
Every agent action logged, readable on demand.
Photo: IMN Non-QM speaker page. The other seats stay unnamed until we meet the table.
04 · The income file

Imagine 24 months of statements reading themselves.

A borrower uploads at midnight. By morning the worksheet is drafted and one flag waits for a human eye.

income-desk.arcstone.example/bank-statement/review
Reading statement 19 of 24
03/02 · ACH deposit, client invoice+$18,420
03/11 · merchant settlement+$9,310
03/22 · ACH deposit, client invoice+$22,650
03/29 · merchant settlement+$11,090
Income worksheet · drafted for your underwriter
Eligible deposits, 24 mo$1,392,480
Excluded transfers$214,300
Expense factor applied50%
Qualifying monthly income$29,010
One flag for review: deposit pattern shifts in month 14. Math shown on every line.
05 · The file journey

One file, prepped before anyone opens it.

Underwriters decide. Agents prepare. Watch the condition list get worked while the office sleeps.

Intake
Agent
Every document read the moment it lands, inside your LOS.
Chase
Agent
Missing items requested the same hour, in plain language.
Income
Agent
Worksheet drafted, guidelines checked, exceptions cited.
Conditions
Agent
The list worked before underwriting ever sees it.
Decision
Your underwriter
Opens a decision-ready file and does the judging.
Every agent action lands in an audit log your compliance team can read.
06 · The broker channel

Imagine every broker partner answered in minutes.

Scenario answers win wholesale relationships. An agent that knows your guidelines answers fast and cites its source.

7:42 AMscenario desk
Broker scenario lineguideline-grounded · human-reviewed
Self-employed buyer, 14 months in business, strong deposits. Bank statement at 80 LTV?
Close, but not at 14 months. The program wants 24, or 12 with same-field history. Two paths that may fit: P&L program, or asset qualification.cited: bank statement + P&L program guides
He has 3 years same field before going solo. Send the P&L option.
Sent. This one earns a human look, so your AE gets the thread now.
routed to AE · 7:44 AM · full thread in the LOS
07 · The shape of it

What would you name it? Mine is called Sasha.

Sasha runs my day at 100×. Yours would learn AMP. Here is where it sits.

Your people decide
Underwriters keep the credit call. AEs keep the broker relationship. Nothing ships unsigned.
hands up
Your pod does the labor
One name on the front, five specialists underneath, all auditable.
Intake · reads every doc Income · shows its math Conditions · works the list Scenarios · cites the guide Audit · logs it all
reads from
Your programs stay yours
AMP, your guidelines, your ICE stack. Agents plug in. Nothing gets replaced.
08 · The receipts

Built in lending. Not adapted to it.

Button Finance is a customer. Angel Oak ran an AI-strategy workshop with Nik in Atlanta. The record goes back further.

Lending ops, automated

"Without 100x, Home.LLC would have failed. With 100x, we replaced 100+ originators, underwriters, and servicers with a single AI agent 'Sophie' and analyzed 100M+ properties nationwide to find the best investment targets. That's why, I spun out 100x so you can build on our successes."

Nik Shah
Chief Executive Officer · Home.LLC
Non-QM C-suite strategy

"Nik is the C-level whisperer."

Alysse Prosnick
EVP Operations · Angel Oak Mortgage Solutions
after the Atlanta AI-strategy workshop
Engineering partnership

"Exactly what we needed in a partnership. You boosted our productivity 100×!"

Rupesh Munot
CEO · RSL Solutions
09 · The question

Opposed to exploring further?

Human CEO
Nik Shah
"If AI can do my job, why can't it do your job."
Nik Shah, Temporary CEO, 100×
2013-2019Ernst & Young. Entry-level to Chief of Staff to Board.
2019-2025Home.LLC. Housing finance co, now 99% AI-managed by "Sophei".
2023-2024iSquad/SPS. Scaled and sold a staffing company.
2025-now100x. Building custom AI agents for businesses.
Featured in WSJ, Fortune, Axios, and 50+ publications. Called "the most accurate housing market forecaster in America."
Call Nik 412.320.1130 → Email Nik →
100× · for Mardi Kari and the ArcStone table