---
title: "Longhorn Investments Customer Story | Kolena"
url: "/lp/longhorn-investments-customer-story/"
author: "Conner Longoria"
updated: 2026-09-08T22:24:32.823148+00:00
---

# Four to five hours, or forty-five minutes?

How Longhorn Investments put AI into DSCR loan underwriting, taking a four to five hour file review down to about forty-five minutes, without handing AI a single credit decision.

> AI amplifies our ability to make judgment calls. It doesn't make the judgment calls for us.
> 
> — Jeremiah Garza, Chief Operating Officer, Longhorn Investments

## Why Jeremiah's result isn't unique

Kolena's AI agents read a loan file the way a trained underwriter would. They pull the data out of bank statements, credit reports, appraisals, flood certificates, and title commitments, structure it, check it against the DSCR and non-QM guidelines, and flag the exceptions. Every field is cited back to the source page, and deterministic code handles the math, so the numbers hold up. The agent assembles and checks the file. The underwriter still owns the credit decision. That is the line Jeremiah drew before anything went live, and it is why his team trusts the output.

- Per DSCR file, assisted underwrite
- The accuracy bar he set before AI touched a loan file
- **Repeat borrowers, from the time given back to relationships** — By giving manual tasks to AI

### For underwriting teams

**Documents in:**  bank statements, credit reports, appraisals, flood certificates, title commitments (10 to 30 per file).  
**What you get:**  the file assembled and checked against your DSCR and non-QM guidelines in about 45 minutes, exceptions flagged, every field cited to its source. The underwriter makes the credit call.

### For appraisal and processing

**Documents in**: appraisal reports.

**What you get:** an appraisal agent that reviews, flags issues, and routes the file to the underwriter on its own while copying the processor. Review time drops from 45 to 60 minutes to 15 to 20.

### For leasing and resident experience

**Documents in**: inbound loan files on portfolio and third-party acquisitions.

**What you get:** diligence run against each investor's guideline at volume, discrepancy reports, and audit-ready output built for the review the deal actually has to pass.

## Two ways to see Kolena run

- Search through 61+ AI Agents to find one that addresses your use case
- 2-week trial configured to your portfolio and use case with a quick setup call.

## How The Trial Works

- **20-minute setup call** — We learn your loan products, your document types, and your underwriting guidelines. Not a sales pitch.
- **Trial configured to your guidelines** — Agents tuned to your DSCR and non-QM rubric and your document mix before you log in.
- **2 weeks on your real documents** — Run it on the same loan packages your team underwrites by hand today.