What if the next CES pool cleared itself?
You built the rated CES market. Imagine diligence keeping pace with your shelf.
Call Nik 412.320.1130 →or ceo@100x.inc
$11B+
Non-agency lifetime volume
3
CES securitizations in 2024 alone
AAA
Top class, VSTA 2024-CES1 (DBRS)
scroll
02 · the read
What the public record says you built.
"The Non-Agency cash window." Bill's words, after $75B+ securitized at Impac.
Source: vistapointmortgage.com
VSTA 2024-CES1: $333.98M, six classes, AAA to B from DBRS.
Source: Vista Point press release · May 2024
Three CES deals in 2024. Then the industry's first DSCR CES.
Source: Vista Point press releases · 2024-2025
Off-read? 412.320.1130 sets us straight.
03 · your table
Written for the people who run Vista Point.
One agent on your shelf, read three ways. Every seat at your table gets its own answer.
Bill Ashmore
Founder & Chief Executive Officer
The shelf grows. The diligence line on the P&L does not.
JM
Jim Malloy
COO, EVP Capital Markets
Pools price on cited evidence, not on chased email.
AA
Allison Ashmore
VP National Sales
Correspondents hear back the same morning, every time.
04 · the tape
Imagine the tape writing itself.
A correspondent file lands. Every field gets a citation back to its page.
purchase.[your-shelf].com/ces/intake
Live intake·Agent extracting
Closed-end second · owner-occupied (CA)
Note shows a fixed-rate closed-end second behind a first with a 62% combined LTV. Income docs support a 41% DTI. Title confirms second-lien position recorded.
Tape line · written and cited
LienSecond · closed-endnote p.1
CLTV62%appraisal p.3
DTI41%1008 p.1
OccupancyOwner-occupiedapp p.2
PositionRecorded · confirmedtitle p.4
GuidelinePass · 0 variancesmatrix v4.2
Tape line appended · pool 2026-CES
05 · the exceptions
Every exception arrives with evidence attached.
The agent finds the page, drafts the response. Material calls queue for your people.
diligence.[your-shelf].com/2026-ces/exceptions
TPR queue·14 open · 11 evidence-matched
Missing final CD signature pagecleared · drafted
LN-0412 · compliance · grade C to A
CD p.5 · signede-consent logresponse drafted
Appraisal variance above toleranceevidence found
LN-0387 · valuation
field review p.2AVM reconciliationcomp grid
Income calc differs from 1008your call
LN-0356 · credit · material
paystub p.1W-2 2025both calcs shown
06 · the pool
Watch the pool go green, live.
Not a Friday status email. A live read between you and the pricing call.
9:41watchingCapital Markets
Shelf · this morning
Next pool is 92% deal-ready
flag · 3 loans trending toward kick-out on title. Evidence packets ready.
07 · purchase to pricing
One moving line, purchase to pricing.
Your shelf already runs this line. The agent runs alongside it.
today
Hands re-key
Tape fields typed from files, checked by hand.
today
Email ping-pong
TPR findings bounce until someone finds the page.
with the agent
Docs become tape
Born cited. The scrub becomes a query.
with the agent
Evidence first
Exceptions arrive pre-matched, ready to clear.
08 · the agent
What would you name it? Mine is called Sasha.
One agent on your guidelines, four desks at once. It drafts and cites. Your people decide.
desk 01
Intake
Reads every document and classifies it against your stacking order.
in loan file · out indexed docs
desk 02
Tape
Writes the tape line and pins a citation on every field.
in indexed docs · out cited tape
desk 03
Conditions
Matches each TPR finding to evidence and drafts the response.
in findings · out evidence packets
desk 04
Surveillance
Watches every pool. Flags kick-out risk while there is time.
in pool state · out live flags
Sasha runs Nik's day at 100x. Sophei runs servicing at Home.LLC. Yours would run your shelf, under your name.
09 · the receipts
Lenders already run 100× agents.
Button Finance runs a 100x pre-underwriting agent inside Encompass today, as a customer. Angel Oak Mortgage Solutions brought 100x to Atlanta to shape its AI strategy. Home.LLC runs 99% on an agent called Sophei.
“
Exactly what we needed in a partnership. You boosted our productivity 100×!
Rupesh Munot · CEO · RSL Solutions
“
Thank you for not just replicating, but improving our workflow. Love your proactive thinking!
Laura Guilbert · Operations Lead · Mainstay
“
You've helped us acquire real estate faster as our strategic partner and have expanded with us.
Ted Farry · COO · Fortune Acquisitions
10 · the defaults
Built for people who answer to rating agencies.
Audit log on every field
Any tape line reconstructs back to its document page.
No data egress
Runs inside your tenancy. Loan files stay where counsel says.
Your guidelines, encoded
Your credit matrix and stacking order, scaled as written.
No vendor lock-in
Code transfers. The agent runs on your infrastructure.
Human in the loop, on your threshold. The agent drafts, cites, and queues. Your people sign every material call.
11
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 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."