In CRE, the property repays the loan — so the whole credit rests on the rent roll and a defensible NOI. Getting there means keying messy rent rolls, normalizing income and expenses, and sizing the deal by hand. Uptiq automates the rent-roll-to-NOI work and hands your underwriter a fully sized CRE package.
41% faster underwriting at 95%+ accuracy — NOI normalized, DSCR, debt yield & LTV calculated, every figure traced to source.
Trusted by financial institutions across banking, lending & credit
CRE credit lives and dies on NOI, but getting to a defensible NOI means wrestling non-standard rent rolls and operating statements into shape, one property at a time.
Every CRE deal arrives with a rent roll and a T-12 in whatever format the borrower or broker happened to use. An analyst keys them in, applies vacancy and credit loss, reconciles operating expenses, and arrives at NOI — then sizes the loan with DSCR, debt yield, and LTV, and works through lease rollover and tenant concentration. It's hours of careful, repetitive work before any credit judgment.
And it doesn't generalize. A multifamily rent roll reads nothing like a retail or office one; generic OCR stalls on the layouts and plateaus at 75–80% accuracy on financials. So the rent-roll-to-NOI work stays manual, cycle times stretch, and strong sponsors take their deals to whoever can quote fastest.
Uptiq extracts the rent roll and operating statements, builds a normalized NOI, sizes the loan, and analyzes the lease profile — at 95%+ accuracy with full lineage — then drafts the CRE credit memo.
Rent rolls and T-12s — even messy, non-standard formats — are extracted at 95%+ accuracy, with every figure traced to source.
Vacancy and credit loss are applied, operating expenses reconciled, and a defensible net operating income is produced in your template.
DSCR, debt yield, LTV (and LTC for construction), plus break-even occupancy calculate automatically from the normalized NOI.
Occupancy, WALT, rollover, and tenant concentration are surfaced, risk is flagged, and a cited CRE memo drafts for underwriter review.
The result: 41% faster underwriting cycles, 63% less credit memo prep, and 3x more deals per analyst — measured across 150+ financial institutions in production.
Uptiq builds the NOI, then the sizing metrics and lease profile that decide the credit — across every property type.
Illustrative sizing. Every figure is extracted at 95%+ accuracy and traced back to the source rent roll or operating statement.
Non-standard rent rolls and T-12s are extracted automatically at 95%+ accuracy — no more keying broker spreadsheets line by line.
Vacancy, credit loss, and expense normalization run the same way every deal, so NOI holds up to committee and examiners alike.
DSCR, debt yield, LTV, LTC, and break-even occupancy compute from the normalized NOI — the deal sizes itself.
Occupancy, WALT, lease rollover, and tenant concentration are highlighted automatically — before they become a surprise.
Every figure traces to the source rent roll or statement — audit trail built for examiners and credit review.
100+ native integrations across LOS, cores, and decision engines. Uptiq feeds your existing CRE workflow — no rip-and-replace.
Results represent aggregate outcomes across production deployments. Individual results may vary.
Rent roll, T-12, leases, and sponsor financials arrive from intake for the property.
Figures extract at 95%+ accuracy; NOI is normalized and DSCR, debt yield, and LTV compute.
Lease rollover and concentration are analyzed, risk flagged, and a cited CRE memo drafts.
Your underwriter reviews the sized package, sets structure, and makes the credit call.
150+ financial institutions run Uptiq's AI agents to analyze rent rolls and size CRE deals faster — with judgment firmly in human hands. See it on your own properties.
Book a 30-minute session. We'll extract a rent roll, normalize NOI, and size the deal on your own CRE document set — traced to source.
See how Uptiq extracts rent rolls, normalizes NOI, and sizes CRE deals — across property types, traced to source.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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