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SC-10482 · 4821 Harbor View Dr, Tampa, FL

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🏢 Documents we're handling

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Simple Credit

Welcome back, Jordan

Your loans and profile with the Simple Credit team — all in one place.

Your loans

Click any loan to see its full file — application, documents, term sheet, deposit, and notes.

Loan ID	Address	Type	Status

SC-10482

4821 Harbor View Dr, Tampa, FL

Name

Phone

Mailing address

Broker / Correspondent Agreement

Credit, background & ID

Read-only — your loan team maintains this from verified reports.

Track record

Prior deals on file verifying your experience. To add one, ask your loan team.

Entities

Entities on file for you. Selecting one on a new application carries its documents and ownership structure forward automatically.

Brokerage staff

Everyone at your firm who submits loans to Simple Credit. As the master account, you see every loan across your whole team — each staff member only sees their own.

View

1 I am a...

2 Loan type

3 Sponsor info

4 Co-guarantor

5 Transaction details

6 Property

7 Declarations

8 Signatures

I am a...

Borrower

Broker

This determines whether the following steps collect the sponsor's own info directly, or a broker submitting on a borrower's behalf.

Product type

Single Asset Bridge

Single Asset DSCR

Transaction type

Purchase

Refinance

First name

Last name

Phone

Date of birth

Social security # 🔒

Current address

Net worth

Liquidity

FICO

Citizenship status

🔒 Sensitive fields (SSN, date of birth) are encrypted at rest and in transit.

Co-guarantor

This loan has a co-guarantor

No co-guarantor on this loan — check the box above to add one.

Transaction details

Property

Property address

Property type

Year built

Current occupancy

Declarations

Review & signatures

Back to pipeline

SC-10482 · Jordan Alvarez

4821 Harbor View Dr, Tampa, FL · Single Asset Bridge · $1,240,000

Target close: 8/14/2026

Overview

POCs

Notes

Investor Matches

Draws

Closing package

Recorded documents

Audit log

Underwriting

Terms

Collateral

Terms — Requested vs. Term Sheet vs. Approved

The field set is product-type-aware — a Bridge file and a DSCR file show different Terms tabs. This file (SC-10482) is a Bridge loan. Every field must be finalized in the Approved column before the file can be cleared to close.

Collateral Multi-asset / cross-collateralized loans only

SC-10482 is single-asset, so this tab would normally be empty for this file — sample data shown below to demonstrate the layout for a cross-collateralized (blanket) loan across multiple properties.

DSCR Calculator

One card per property. Rate and allocated loan amount carry over from the Terms tab; locking a scenario pushes its final numbers back.

Expense basis

Interest rate

Minimum Property DSCR

Minimum Portfolio DSCR

Blended In Place DSCR

Blended Pro Forma DSCR

Solve for target DSCR

Enter the DSCR you need to hit, pick what to solve for, and the system adjusts it for you — since a higher rate or loan amount produces a lower DSCR. Solves against the Pro Forma (market rent) DSCR.

Target DSCR

Scope

Solve for

Borrower / broker contacts

Auto-populated from the application and the borrower/broker database — not editable here. Update contact info on the profile itself.

Required vendor roles

Every file needs a Title Company, Settlement Agent, and Bank Attorney assigned before it can close — selections pull only from vendors already on file in the Vendor Database.

Additional contacts

Notes

Every comment left while clearing a document flows here automatically, alongside any general notes added directly.

Filter:

Investor Matches

Compares this file's locked Terms against every investor's confirmed, staff-reviewed criteria (Investor Database → Guideline & Pricing Matrix). This comparison is purely deterministic — no AI call happens here. The AI's only role anywhere in this flow is drafting criteria from an uploaded guideline document, which a staff member reviews and confirms before it's ever used for matching. Fringe means the file misses one numeric limit by a small, configurable margin and may be worth an exception ask; categorical mismatches (wrong loan type, excluded state) are always a hard No Match.

Investor pre-approval — this file

Track which investors in the database this deal has been shared with for review, before allocations are finalized on the Shareholders tab. Only investors already on file in the Investor Database can be added here.

Investor	Shared date	Status	Notes

Shareholders — this file (SC-10482)

Investor / sub-fund	Investment	Pro rata	Booking date	Funds cleared	Servicing transfer	Buyer type
Meridian Capital — Fund II	$930,000	75%	7/18/2026	7/19/2026	7/22/2026	Whole loan
Cobalt Bridge Partners	$310,000	25%	7/18/2026	7/20/2026	—	Fractional

Pro rata shares must total 100% of the loan amount before this allocation is considered complete. Click an investor's name to open their full profile in the Investor Database.

Closing package

The full executed closing package, plus the individual instruments worth tracking separately (Note, Mortgage/Deed of Trust, Personal Guaranty, Assignment of Leases and Rents). Not required for Cleared to Close or Scheduled to Close — required before this file can be moved to Closed.

Recorded documents

Standard post-closing recordables returned by the county recorder — upload each once it comes back from recording. Add anything specific to this deal with the row it's missing.

Audit log

Every upload, clear, lock, and edit made on this specific file, in chronological order.

Timestamp	User	Action	Detail

Milestone	Current Month	Current Pipeline	Current Quarter	Current YTD

Click any file count to jump to the Pipeline, pre-filtered to that milestone (and the Bridge/DSCR toggle above, if set).

61%

Pull-through rate

▲ 3% MoM▲ 8% YoY

19 days

Avg. time to close

▼ 2% MoM▼ 11% YoY

$789K

Avg. loan size — all products

▲ 2% MoM▲ 9% YoY

By loan officer

LO	Active	Closed MTD
M. Reyes	8	3
T. Ionescu	7	2
D. Chen (proc.)	9	4

Investor sales — MTD

Whole loan$3.1M

Fractional$1.1M

Total sold$4.2M

Company name

contact info

Active

Overview

Portfolio

Sub-Entities

Guideline & Pricing Matrix

Servicing

KYC / AML

Servicer(s)

Who services this investor's purchased loans — needed for servicing transfers at time of sale. Some investors use more than one servicer, so you can assign multiple. Servicer profiles (contact info, agreements) live in the Vendor Database.

Portfolio — loans purchased

Loan ID	Address	Amount	Funded	Status

Sub-entities

Each sub-entity is its own legal entity (fund, SPV, series, etc.) with its own formation info, login access, and agreements/documents — organizations that transact through multiple entities can add as many as they need.

Guideline & Pricing Matrix

Upload the investor's guideline / pricing-matrix document and Claude drafts structured eligibility criteria and pricing tiers for review — nothing goes live for matching until a staff member reviews the draft against the source document and confirms it below. Once confirmed, every loan's Investor Matches tab compares against this automatically — see "AI-assisted, human-confirmed" note there for how the AI step is scoped.

Loans in active servicing

Live from the Servicing module — current balance and delinquency status, not a static snapshot.

Loan ID	Address	Pct.	Current UPB	Days past due	Status

Simple Credit

Welcome back

Your global investor profile — guideline, pricing, and every lender connection, all in one place.

Lender connection requests

Click a request to see who's asking, get in touch, and decide — approve before that lender can see your guideline or share files with you. Illustrative — a real deployment would list every requesting lender on the platform, not just this instance.

Contact info

Changes here are submitted to your Simple Credit team for review — they won't take effect until a staff member approves them.

Company name

Contact name

Title

Phone

KYC / AML

Read-only — your Simple Credit compliance team maintains this from verified documentation.

Sub-entities

Read-only — to add or update a sub-entity, ask your Simple Credit team.

Loans purchased

Loan ID	Address	Amount	Funded	Status

Loans in active servicing

Live from the Servicing module — current balance and delinquency status, not a static snapshot.

Loan ID	Address	Pct.	Current UPB	Days past due	Status

Shared for your review

Files your Simple Credit team has shared with you ahead of a final allocation.

Loan ID	Address	Type	Shared date	Status

Available for purchase

From the Loan Sale Dashboard — closed loans allocated to you, at whatever stage of trade they're currently in.

Loan ID	Type	Address	Amount	Rate	Status

Guideline & pricing matrix

This is the base guideline every connected lender sees. Upload a new version any time — Claude drafts the structured criteria, you review and confirm before it goes live.

Pricing overrides by lender

Your base pricing above applies to every connected lender by default. Give a specific lender better terms with a flat bps lift, or replace the matrix entirely for just that relationship.

Visibility

Public means any lender on the platform can find you and request a connection. Private keeps you invisible to everyone except lenders you're already connected to.

Connected lenders

	Loan ID	Type	Guarantor	Address	Orig. amount	Note rate	Closed date	Aging	Servicer	Allocated to	Allocation date	Sale status

Loan ID	Borrower	Address	Servicer	Orig. balance	Current UPB	Rate	Next due	Days past due	Status

Loan terms

Completed

Jordan Alvarez

jordan.alvarez@email.com · (813) 555-0148 · 123 Harbor View Dr, Tampa, FL

Active / past files

Track record / bio

Files

Loan ID	Address	Type	Status

Prior track record (outside deals)

Deals done before or outside of Simple Credit, added to verify experience — each with its own supporting documents (Purchase Contract, HUD-1/Settlement Statement, Deed, etc.).

Entities

Entities on file for this borrower/broker. Selecting one of these on a new loan carries its documents and org chart forward automatically.

Credit, background & ID

Documents and expirations tracked here — entity documents (operating agreements, formation docs, etc.) live under Entities on file instead.

Additional documents

Notification preferences

Every automated message the system can send this contact — turn off anything they'd rather not receive.

Company name

contact info

Appraiser

Vendor documents

Service agreement/engagement, E&O insurance, and license info — upload once here and it's available for every loan that uses this vendor.

Profile details

States licensed / operating in

E&O insurance expiration

E&O coverage amount

Notes

Loans using this vendor

Users

User roles & access

Milestones

Document checklists

Rate Sheet

CRM integrations

Third-party integrations

Users

Create a login for each person on your team and assign them a role — the role (set up on the next tab) controls which pages they can see.

Name	Email	Phone	Role	2FA method	Active

Roles & page access

Control which pages each role can see in the left navigation. Changes apply to every user assigned that role.

Field-level permissions

Beyond page access above, control what each role can see and do with specific sensitive fields and actions — independent of which pages they can reach. "None" hides the field entirely; "View" shows it read-only; "Edit" allows changes.

Pipeline & dashboard milestones

These milestones drive the Pipeline's milestone dropdown and the Dashboard's milestone grid. Reorder, rename, or remove to match your workflow.

Document checklist templates — by product type

These org-level templates define which documents are automatically required on every new file of a given product type. Click a document to expand it and manage the specific checkboxes, data fields, and data points an underwriter has to check off to clear that document — add, remove, edit, or reorder them here. Adding a document (or an item within it) applies to all future files of that type; existing files keep their current checklist unless you push the update.

Add a one-off document — this file only

Use this from an open file's Underwriting tab to add a document that's specific to that deal without changing the org-wide template. (Shown here for reference — the live control lives on each file's document tabs via "Add document.")

Rate Sheet — base pricing by LTV band

Set base rate and points by loan-to-value band for each product. These feed the "Get pricing suggestion" tool on a file's Terms tab — it finds the band matching the file's LTV, then layers on any adjustors below.

LTV up to	Base rate	Base points

Pricing adjustors

Rate add-ons (in basis points) applied on top of the base band when the condition is met. The pricing suggestion tool evaluates these automatically against the file's data where it can.

Condition	Rate add-on (bps)

FLAG — This is a simplified rate-sheet mockup (flat LTV bands + additive bps adjustors). A production pricing engine would likely need investor/execution-specific sheets, rate-lock expiration handling, and daily rate-sheet publishing/versioning — flagging as a scoping item for the real build.

CRM integrations

Sync borrower and pipeline activity with your CRM. Connecting an integration lets new applications, milestone changes, and closed loans push automatically.

Third-party integrations

Every external service Simple Credit can plug into to pull reports, verify data, and move money — pick a vendor per category and connect it. Report vendors below connect with your company's own accounts and bill you directly. The other services are set up by the platform team as they go live.

Documents needed for your loan

Pipeline

New application

Management dashboard

Investor database

Investor profile

Loan sale dashboard

Loan servicing

SC-—

My tasks

Borrowers & Brokers

Borrower profile

Vendors

Vendor profile

Settings