--- title: "Longhorn Investments Customer Story | Kolena" url: "/longhorn-investments-customer-story/" description: "Discover how Longhorn Investments leverages Kolena to achieve their goals. Read this customer success story to learn more about our partnership." author: "Conner Longoria" updated: 2026-10-19T21:59:39.721329+00:00 --- # Longhorn Investments Customer Story | Kolena Customer story · Private lending ![Longhorn Investments](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/logos/customers/processed/73ab6c05-a1bd-4d12-ae2c-c81a779e0732-master.png?height=60&resize=contain&format=webp) # Four to five hours per DSCR file. Now about 45 minutes. How Longhorn Investments put Kolena's AI agents into DSCR loan underwriting, without handing AI a single credit decision. [Request a trial](#trial-form)[Browse the free AI agents →](https://www.kolena.com/agent-library/) Longhorn Investments, before and after DSCR file review (assisted underwrite) Before 4-5 hours With Kolena About 45 minutes Appraisal review Before 45-60 minutes With Kolena 15-20 minutes Company Longhorn Investments Industry Private lending: DSCR, non-QM, fix-and-flip Scale About $400M in servicing Contact Jeremiah Garza Chief Operating Officer > “AI amplifies our ability to make judgment calls. It doesn't make the judgment calls for us.” JG![Jeremiah Garza](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/Jeremiah%20Garza%20headshot%20-%20Longhorn.webp?width=160&height=160&resize=cover&format=webp) Jeremiah Garza Chief Operating Officer, Longhorn Investments ![](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/logos/customers/processed/73ab6c05-a1bd-4d12-ae2c-c81a779e0732-master.png?height=60&resize=contain&format=webp) The story ## Accuracy first, then speed 1 ### The bar Before any AI touched a loan file, Jeremiah set the bar at 98% accuracy, the standard he holds his own processors to. Longhorn also brought in a national law firm and wrote borrower consent into its loan agreements before a single agent went live. 2 ### What changed Kolena's AI agents assemble each DSCR file from its 10 to 30 documents, check it against the DSCR and non-QM guidelines and flag the exceptions, with every field cited to its page. The underwriter still owns the credit decision. 3 ### The result A file review that took four to five hours is now an assisted underwrite of about 45 minutes. Appraisal review dropped from 45 to 60 minutes to 15 to 20. How it works ## The file, assembled and checked Kolena's AI agents pull each field from the loan documents, check it against the guideline, and flag exceptions for the underwriter. Kolena checking a sample DSCR loan file against an investor guideline and showing the math behind the one failed check.Sample documents Watch ## Hear it from Jeremiah Jeremiah Garza on the accuracy bar and the assisted underwrite, from the Pragmatic AI Podcast, episode 5. [Watch the full episode →](https://youtu.be/f00G7x9lFL0) In their words ## More from Longhorn Investments > “I was looking for a 98% accuracy rate or higher, because of what we do… That's what we expect of a human, so I'm expecting the same \[when\] we are leveraging AI.” JG![Jeremiah Garza](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/Jeremiah%20Garza%20headshot%20-%20Longhorn.webp?width=160&height=160&resize=cover&format=webp) Jeremiah Garza Chief Operating Officer, Longhorn Investments > “Get over your fear… If you understand your operation, the barrier isn't technical. It really is deciding what your time is worth.” JG![Jeremiah Garza](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/Jeremiah%20Garza%20headshot%20-%20Longhorn.webp?width=160&height=160&resize=cover&format=webp) Jeremiah Garza Chief Operating Officer, Longhorn Investments More customer stories ## Teams running Kolena on their own documents [![Milestone Bank](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/logos/customers/processed/9d385c8d-9910-45c7-8147-6d32ec24ccb2-master.png?height=80&resize=contain) Banking UCC filing review labor down 96%, funding in hours Read the story → ](https://www.kolena.com/lp/milestone-bank-customer-story/)[![Highview Insurance](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/object/public/media/logos/customers/1763447209572-highview-logo.svg) Insurance Underwriting review, 4 hours to 5 minutes Read the story → ](https://www.kolena.com/lp/highview-customer-story/)[![Levin Management](https://pdqnlfnubeegrfslxars.supabase.co/storage/v1/render/image/public/media/logos/customers/processed/96a8aca9-288a-47f6-be94-fc68765b9461-master.png?height=80&resize=contain) Real estate Lease abstracts, 5 days to 5 minutes Read the story → ](https://www.kolena.com/lp/levin-customer-story/) ## See it on your own loan files. A 2-week trial on your real documents, set up in a 20-minute call. [Request a trial](#trial-form)[Browse the free AI agents →](https://www.kolena.com/agent-library/)