CRE lending, run live — New York & Florida
The lending platform that shows its work.
Watch a commercial deal go from address to lender-ready on this page — a 90-second deal file, property intelligence from 12+ data feeds, a 7-scenario stress test, and a committee-ready credit memo drafted in about 30 seconds. Then bring us yours — borrowers apply free, brokers carry a bigger book without hiring, lenders underwrite faster.
Free for borrowers. Start with an address and the basics.
$299/mo flat — no per-deal fees.
No AUM figures. No logo wall. We're early — the product is the proof. Every number above links to the section that demonstrates it.
One deal. Start to finish.
Below is a single sample deal — a 24-unit mixed-use refinance in Brooklyn — run through the same engine that runs live deals. The numbers are computed, not invented. Check the math; it reconciles.
24-unit mixed-use · Refinance
Ask: $4,850,000 · Est. value: $7,460,000
Fictional property, for demonstration. Same engine, same outputs — your numbers when you run it.
A deal file in 90 seconds, not 90 emails.
Type an address. Relendi pulls valuations, flood zone, demographics, violations, environmental flags, and rate context from 12+ government and market data feeds. That's day one of package assembly — the data nobody should be copy-pasting — done before the kickoff call.
Start your deal — bring an addressCount them — 12. FL county appraiser feeds join on Florida deals; this one is in Brooklyn.
| Scenario | Rate | NOI | DSCR | Status |
|---|---|---|---|---|
| Base case | 6.85% | $560,000 | 1.47x | — |
| Rate +200bps | 8.85% | $560,000 | 1.21x | PASS |
| Rate +300bps | 9.85% | $560,000 | 1.11x | MARGINAL |
| Income -15% | 6.85% | $476,000 | 1.25x | PASS |
| Income -25% | 6.85% | $420,000 | 1.10x | MARGINAL |
| Vacancy Stress | 6.85% | $476,000 | 1.25x | PASS |
| Combined Stress | 8.85% | $476,000 | 1.03x | FAIL |
| Severe Stress | 9.85% | $420,000 | 0.83x | FAIL |
We show the failures. So should your deal package.
Vacancy Stress applies the engine's default 15% add-on — on this deal it lands identical to Income −15%. Same math, no padded rows.
Stress-tested before a lender ever asks.
Every deal gets an AI risk analysis and a 7-scenario stress test — rate shock, income decline, vacancy, and combined downside — so the first hard question a lender asks is one you've already answered. Including the scenarios that fail. Especially those.
Matched lenders. Compared on 5-year cost, not teaser rate.
The matching engine screens your deal against each lender's actual box — asset class, geography, leverage, DSCR floors — then compares competing term sheets on total 5-year cost of capital: rate, points, fees, amortization, prepay. The cheapest rate is not always the cheapest money. Now you can prove it to your client.
Industry estimates — not Relendi metrics. We publish our own numbers when we've earned them.
A committee-ready credit memo in 30 seconds.
Ten sections. Risk-forward. Built on your institution's own assumptions — vacancy floors, management fees, replacement reserves — not the broker's. Your analyst gets a first draft in about 30 seconds instead of a blank page and a lost day, and your file shows the documented independent underwriting your examiners ask for.
- ✓Executive Summary
- ✓Borrower/Guarantor Analysis
- ✓Property Analysis
- ✓Financial Analysis
- ✓Stress Testing
- ✓Risk Assessment
- ✓Collateral Analysis
- ✓Policy Compliance
- ✓Proposed Terms
- ✓Recommendation
| Line item | Broker | Lender defaults | Δ |
|---|---|---|---|
| Vacancy | 3.0% | 7.0% floor | −$35,200 |
| Management | 3.0% | 5.0% | −$17,600 |
| Reserves | $0 | $300/unit | −$7,200 |
| NOI | $560,000 | $500,000 | −$60,000 |
| DSCR | 1.47x | 1.31x | — |
A first draft for your credit team — not a credit decision. Every number traces to its source.
Signed term sheets aren't closed loans.
Roughly 30% of deals that reach a term sheet still die in closing coordination — appraisals nobody ordered, title items nobody chased, signature pages lost in inboxes. Relendi tracks all 23 closing milestones with owners across broker, lender, borrower, attorney, and title — so the deal that got this far actually funds.
Currently in progress: Survey Received — assigned to lender, due Friday.
Built for everyone at the table.
FOR BROKERS
A bigger book. No new hires.
- Carry more deals per broker — files assemble in under 90 seconds, intelligence attached automatically
- Packages that don't bounce for missing data
- Matched lenders, threaded email, term sheets compared on 5-year cost
$299/month, flat. No per-deal fees.
FOR LENDERS
Complete files in. Credit memos out.
- Submissions arrive with the data your screen actually requires
- 10-section memo draft in ~30 seconds, on your assumptions
- Side-by-side NOI with line deltas — documented independent underwriting
We'll scope it to your institution.
FOR BORROWERS & SPONSORS
One guided application. Zero email chaos.
- AI co-pilot walks you through it; documents in one secure center
- ESIGN-compliant e-signatures — no printing, no scanning
- See anonymized lender activity on your deal. No more black box
Free for borrowers.
What you won't find on this page.
No borrowed logos. No “trusted by” wall we haven't earned. No billions-originated counter. We're an early platform processing real deals in New York and Florida, and our proof is the machine you just watched run. When we publish a number, you can check it.
Fair questions.
The deal is a sample; the math is real. Every figure — the 1.47x DSCR, the 0.83x severe-stress scenario, the NOI deltas — is computed by the same formulas that run live deals, and it reconciles if you check it. We'd rather show you one honest sample than a wall of logos we haven't earned.
No — the initial sizing is indicative: preliminary numbers, rate context, and the questions a lender will probe, based on what you tell us. A real term sheet comes from a real lender after underwriting. We say this plainly because pretending otherwise is how this industry lost everyone's trust.
It's a first draft, not a credit decision. The memo is built on your underwriting assumptions — vacancy floors, management fees, replacement reserves — shown side-by-side against the broker's NOI with line-item deltas. Your analyst reviews, adjusts, and owns the conclusion. What your file gains is speed (a 10-section draft in ~30 seconds vs 6–10 hours) and the documented independent underwriting examiners look for.
Because we'd have to make them up, and you'd eventually find out. Relendi is an early-stage platform processing real deals in New York and Florida. Our credibility strategy is simpler: run the product in front of you and publish only numbers you can verify — 90-second intake, 7 stress scenarios, 23 closing milestones, 30-second memo drafts.
Brokers: $299/month, flat — no per-deal fees. The math to run: it's priced at a fraction of an analyst's day, and it's meant to let you carry a bigger book without adding headcount. If it doesn't obviously pay for itself, don't subscribe. Lenders: open a lender workspace and we'll scope your pipeline together. Borrowers: free.
New York and Florida today, where our property intelligence is deepest — ATTOM valuations, FEMA flood zones, Census demographics, NYC DOB violations, EPA environmental records, Florida county appraiser data, and more. Deals elsewhere can still run through the platform; the automated intelligence layer is strongest in NY and FL. We'd rather be excellent in two states than shallow in fifty.
Documents live in encrypted storage with pre-signed, expiring access links — never public buckets. E-signatures are ESIGN-compliant. The platform is built around ECOA, GLBA, BSA/AML, HMDA, and CAN-SPAM requirements, and every action on a deal is written to an audit trail.
Your deal, lender-ready. Start free.
Bring an address and the basics. Relendi assembles the deal file, runs the intelligence, and gets you in front of matched lenders — sizing, rate context, and what a lender will probe, shown with the work. That's the point.
Free for borrowers. Brokers $299/mo flat. Already on Relendi? Sign in