Your5C Mortgages fuses property data, market rents, LTV, DSCR, tax-return cash flow with depreciation add-backs, credit, and risk signals into a single mortgage-grade score.
Lender & broker accounts require an access code · Borrowers free
Every signal a senior mortgage underwriter reviews — gathered, analyzed, and scored automatically.
Address, type, occupancy, value, current balance — Loan-to-Value computed (and overridable) for collateral score.
DSCR using rental income, taxes, insurance, HOA versus P&I at the inputted rate/term. Balloon and interest-only paths scored explicitly.
Tax-return analysis with depreciation, amortization, and one-time add-backs. Trailing two-year average where supplied.
Credit-score input plus credit report or Credit Karma screenshot reading via AI. Placeholder for live bureau pull when contracted.
Lawsuits, bankruptcies, liens, judgments, fraud signals, related-party diligence, online reputation, news — same battery as commercial Your5C.
Estimated market rent by zip code and property characteristics to validate investor cash flow.
Brokers can route any borrower to one or many lenders. Lenders can hide their email from the embed and auto-forward to a desk.
Get startedProperty, loan type (purchase / refinance / HELOC), tax returns, bank statements, deed, appraisal, credit report — all uploaded in one place.
LTV, DSCR, ability-to-repay, depreciation-adjusted cash flow, market rent, credit, and risk signals scored together with a MORTGAGE-stamped memo.
Brokers send one borrower to many lenders with a click. Lenders auto-forward submissions to their underwriting desk. Each report is stamped with the originating broker.
Mortgage-grade underwriting, AI speed. Better data, better decisions, every loan.
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