CUSTOMER STORY - PRIVATE LENDING

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

HOW IT WORKS

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.

4-5hrs -> 45 min

Per DSCR file, assisted underwrite

90%

The accuracy bar he set before AI touched a loan file

40%

Repeat borrowers, from the time given back to relationships

By giving manual tasks to AI

Tailored for Your Workflows

Kolena AI adapts to the document-heavy processes in your sector, delivering specialized solutions for maximum efficiency.

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

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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.

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A member of our team will reach out within one business day. Kolena does not train on customer data.