What if a missed condition never delayed another closing?
You named three bottlenecks in January. This page takes each one off your desk.
Call Nik 412.320.1130 →or ceo@100x.inc
corevestfinance.com · your numbers, your photography
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John's three, not ours
John already named the bottlenecks.
01 · credit
Credit reports processed by hand, line by line.
source: John's January call with Nik
02 · conditions
Conditions sent manually. Missed ones delay closings.
source: John's January call with Nik
03 · spend
Appraisals ordered on files that could never close.
source: John's January call with Nik
That was January. If the list moved, 412.320.1130 sets us straight.
built for your table
Written for the people who run CoreVest.
Forward it. Every seat at the table has a desk in here.
JS
John Stauffer, CFA
Capital Markets
Clean tapes, loan by loan, before the pool cuts.
FM
Fred Matera
Chief Executive Officer
The growth story without the headcount line.
Micaela Lumpkin
Chief Credit Officer & COO
The credit box, enforced on every file.
Joakim Mortensen
Chief Originations Officer
Brokers get answers in minutes.
names + roles: corevestfinance.com · businesswire, oct 2024
the framework
People first. Then the agents earn their seat.
1
Your team trains the agents
The people who know DSCR and RTL cold teach the AI their own playbook.
credit review · conditions · appraisal triage
2
Agents carry the manual floor
Reports read, conditions chased, spend gated, every action cited.
overnight · every file · audit-logged
3
Volume scales without headcount
Your people move up to judgment, borrowers, and the next securitization.
small-balance DSCR · RTL · bridge · growth
bottleneck 01 · credit
Imagine credit reports that read themselves.
Tri-merge credit report · DSCR borrower · 9-unit portfolio
extracted while you read this
tradelines34 read · 2 disputes spotted
mortgage history0x30 in 24 mo verified
FICO driftrescored · still in box
for your analyst1 item flagged
bottleneck 02 · conditions
Imagine conditions that chase themselves.
CV
Conditions Desk
agent · on duty
Loan 4417: insurance binder still outstanding, closing in 6 days. Borrower nudged this morning.8:01 AM
Binder received and checked. 2 of 14 conditions left on 4417.11:36 AM
Anything at risk this week?11:40 AM
No. Every open condition has an owner and a nudge scheduled. Zero silent ones.11:40 AM
That used to be our delay machine.11:41 AM
bottleneck 03 · spend
Imagine appraisal spend gated by viability.
The sub-640 file gets an answer in minutes, not an appraisal invoice.
files in this week100%
viable · appraisal ordered71%
gated before spend29%
RTL · FICO 612 · $410K ask
out of box · decline drafted with reasons
DSCR · FICO 738 · 12-unit portfolio
in box · appraisal ordered · docs requested
Bridge · FICO 655 · exception candidate
comp factors stacked · memo to your desk first
downstream · capital markets
Clean files upstream. Clean tapes downstream.
Every field an agent touches lands cited, so the next securitization starts reconciled.
Tape-to-doc reconciliation
field-level checks across the pool
Exception history per loan
decisions + compensating factors, assembled
Bid tape inputs
same numbers the credit desk verified
the architecture
What would you name it? Mine is called Sasha.
Sasha runs Nik's pipeline and drafted this page. Yours would run four desks.
________ · your name for it
It works for CoreVest. It should sound like CoreVest.
Credit
Reads every report, verifies history, flags what matters.
Conditions
Sends, tracks, and chases every condition to zero.
Triage
Gates appraisal and diligence spend by file viability.
Loan Data
Keeps the tape reconciled to source docs, loan by loan.
receipts
This already runs in lending.
Button Finance runs a 100× pre-underwrite agent inside Encompass today.
"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
"Thank you! Couldn't have done this without your kick-ass team. They absolutely crushed it!"
Felix Yeung, Product Leader · Opendoor
"Thank you for not just replicating, but improving our workflow. Love your proactive thinking!"
Laura Guilbert, Operations Lead · Mainstay
Audit log on everything. Capital partners can read it line by line.
Your people decide. Agents prepare, your team keeps the pen.
Your data stays yours. Inside your stack, compounding.
Citations, not vibes. Every number traces to a document.
the question
Opposed to picking this back up?
Human CEO
Nik Shah
2013-2019Ernst & Young. Entry level to Chief of Staff to the Board.
2019-2025Home.LLC. Housing finance co, now 99% AI-managed by "Sophei".
2023-2024iSquad/SPS. Scaled and sold a staffing company.
2025-now100×. Building custom AI agents for businesses.
Featured in WSJ, Fortune, Axios, and 50+ publications. Called "the most accurate housing market forecaster in America."