What if your credit box read every file first?
You promise Funding on Time Every Time. Imagine the box keeping that promise on its own.
Call Nik 412.320.1130 →or ceo@100x.inc
$250M
RTL securitization · Feb 2026
6th
Issuance on the TVC shelf
5
Product lines · DSCR to ground-up
scroll
the read · public record only
One desk holds the credit box and the rails it runs on.
01 · the span
Credit, underwriting, closing, and IT.
Lauren Shea's desk. Plus diligence, surveillance, and the repo facilities.
Source: templeviewcap.com · about-us
02 · the promise
"Funding on Time Every Time."
The brand is a speed commitment, in writing.
Source: templeviewcap.com · home
03 · the shelf
A rated, revolving RTL shelf.
Sixth issuance, third rated. The revolver re-runs diligence continuously.
Source: PRWeb · Feb 2026
Off-read? 412.320.1130 sets us straight.
three friction points · from your own pages
Your borrowers already said the quiet part.
friction 01 · underwriting cycle
"Wish underwriting was a bit faster as they ask me for things others don't, but you take the good with the bad."
Client B.H., on your own home page. Cycle time is the tax on rigor.
Source: templeviewcap.com · testimonials
friction 02 · draw administration
Advanced draws win deals. Then someone runs them.
Inspection-and-release work scales with volume, not headcount.
Source: templeviewcap.com · rehab + construction
friction 03 · shelf-cadence diligence
338 loans re-papered for one rated deal.
A revolving shelf makes file integrity a daily standard.
Source: SEC ABS-15G · TVC Mortgage Trust FY2026
built for your table
Written for the people who run Temple View.
One agentic layer, read seat by seat.
Lauren Shea
Chief Credit Officer
The credit box, enforced on every file.
MN
Michael Niccolini
Founder & Principal
The growth story without the headcount line.
ST
Steven Trowern
Founder & Principal
Funding on Time Every Time, kept at any volume.
LG
Lara George
Founder & Principal
Five product lines on one set of rails.
ST
Stephen Taylor
Chief Operating Officer
The floor stops being the bottleneck.
JW
Jason Williams
Chief Financial Officer
Diligence-ready files, priced for the shelf.
imagine if · the underwrite assist
Every file arrives graded, citation attached.
The agent reads the file as it lands in EZ View and drafts the condition list before an underwriter opens it.
underwrite.tvc-agent.internal/queue/dscr
file graded on arrival·8:41 am
File · as submitted
ProductDSCR · 30yr rental
PropertySFR · Charlotte, NC
DSCR1.19
LTV74%
FICO722
Experience4 exits · 36 months
Agent grade · against your policy
✓DSCR clears the floor for this tier.cite: TVC Guide · DSCR · 4.2.1
✓LTV inside the matrix at this FICO band.cite: TVC Guide · LTV matrix · 3.1
!Rent comp spread wide. Condition drafted: third comp or addendum.cite: TVC Guide · market rent · 5.4
drafted for your underwriter
Two conditions pre-cleared with evidence. One open item, written in your condition language. Hours, not days.
imagine if · the draw desk
A draw clears the morning the inspection lands.
Inspection lines matched to budget, variances flagged, release staged for your sign-off. These photos are your own borrower's rehab.
before
after · draw 7 of 7
Budget released
$86,400 · HVAC held
photos: templeviewcap.com rehab gallery · draw figures illustrative
imagine if · exception triage
Exceptions arrive ranked, priced, and pre-argued.
Every exception lands with the comp set, the compensating factors, and your own precedent cited. You decide in minutes.
Exception queue · today
7 open · 3 recommended approve
Bridge · Tampa •••218approve
LTV +2 over matrix11 sponsor exits
→ matches 14 prior approvals, memo drafted
DSCR · Phoenix •••907counter
DSCR 1.08rate buy-up fits
→ counter terms drafted from your pricing grid
Ground-up · Austin •••533decline
first buildcomp spread wide
→ decline letter drafted, broker kept warm
the layer
What would you name it? Mine is called Sophei.
Sophei runs underwriting and servicing at Home.LLC after analyzing 100M+ properties. Yours answers to your credit policy alone, across the whole file-to-shelf line.
Intake
EZ View · Salesforce
agent
Grade
policy-cited
agent
Conditions
drafted · you sign
agent
Draws
matched · staged
Shelf
diligence-ready
funding on time, every time, with the audit trail already written
proof · agents in production
This is already how lenders run.
"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."
Nik ShahChief Executive Officer · Home.LLC
"Thank you for not just replicating, but improving our workflow. Love your proactive thinking!"
Laura GuilbertOperations Lead · Mainstay
"Nik is the C-level whisperer."
Alysse ProsnickEVP Operations · Angel Oak Mortgage Solutions
In non-QM today: Button Finance is a 100x customer, and Angel Oak's leadership team started with the Atlanta strategy workshop.
the defaults
Built the way a rated shelf expects.
Your guidelines stay the source of truth.
The agent enforces your box and sharpens with every decision it watches.
Every grade carries its citation.
Guideline section, data, timestamp. Reads clean in diligence.
Lives inside your stack.
EZ View and Salesforce stay put. The layer rides on top.
Your underwriters hold the pen.
Approvals, exceptions, and releases stay human-signed.
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×
Built Home.LLC, now 99% run by an AI agent called Sophei. Sold Homie (iSquad / SPS). EY alum. Carnegie Mellon "Tartan on the Rise."
Quoted in WSJ, Fortune, Axios and 50+ publications. Called "the most accurate housing market forecaster in America."