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A single CRE deal file lands as a rent roll, a property operating statement, a sponsor pro forma, and a commercial appraisal report that runs a few hundred pages — and underwriting cannot start until someone has read all of it.
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The Document Burden
Uptiq’s Document AI reads 32 document types across CRE intake, underwriting, closing, and servicing.
In CRE the collateral carries its own file on top of the borrower’s. One property package can hold a rent roll, a T-12 property operating statement, the sponsor’s pro forma property operating statement, a commercial appraisal report, an environment report, and an engineering report — several of them 50- to 200-page vendor PDFs with no shared layout between issuers.
The analyst then reconciles in-place rents from the rent roll and the signed lease contracts against rent comps, sales comps, property comparables, and the CoStar report the shop already pulls, and stress-tests the pro forma against actuals to land on a defensible NOI. Lease abstraction and appraisal reading are where the days go. After closing the same team is still re-reading property insurance and flood insurance certificates to catch a lapse before it becomes a finding.
Documents We Process
Every document below has a dedicated extraction page. This list is generated from Uptiq's Document AI registry, not hand-picked.
| Document | What Uptiq extracts |
|---|---|
| Audit Notes | Extracts Debt Maturing Next 12 Months, Going-Concern Disclosure, Pending Litigation + 5 more fields |
| Audited Business Financial Statement | Extracts Auditor Opinion Type, Total Revenue, Net Income + 5 more fields |
| Business Credit Report | Extracts D&B PAYDEX Score, DUNS Number, Business Failure Score + 5 more fields |
| Business Debt Schedule | Extracts Total Outstanding Debt, Number of Instruments, Total Monthly Debt Service + 4 more fields |
| Business Financial Statement | Extracts Total Revenue, Net Income, Total Assets + 4 more fields |
| Business Tax Return | Pillar page covering 27 business tax forms and schedules, including Form 1065, 1120, 1120-S and Schedule K-1 |
| Cash Flow Statement | Extracts Net Cash From Operations, Capital Expenditures, Free Cash Flow + 4 more fields |
| Credit Agreement | Extracts Facility Amount, Facility Type, Applicable Margin + 5 more fields |
| Engineering Report | Extracts Immediate Repair Cost, Replacement Reserve Recommendation, Roof Condition + 5 more fields |
| LOI | Extracts Proposed Loan Amount, Proposed Rate, Proposed Term + 5 more fields |
| Lease Agreement | Extracts Tenant / Lessee, Base Rent, Lease Term + 4 more fields |
| Partnership Agreements | Extracts Entity Name, Managing Member / General Partner, Ownership Percentages + 5 more fields |
| Profit And Loss Statement | Extracts Total Revenue, Cost of Goods Sold, Gross Profit + 4 more fields |
| Secretary Of State | Extracts Entity Legal Name, Entity Status, State Entity Number + 5 more fields |
| Sources And Use Of Funds | Extracts Total Sources, Total Uses, Loan Proceeds + 5 more fields |
| Statements Of Information | Extracts Chief Executive Officer, Officers and Directors Named, Managers / Managing Members + 5 more fields |
| Document | What Uptiq extracts |
|---|---|
| CoStar Report | Extracts Submarket, Submarket Vacancy Rate, Net Absorption (T-12) + 5 more fields |
| Commercial Appraisal Report | Extracts Appraised Value, Valuation Approach, Cap Rate + 4 more fields |
| Environment Report | Extracts Recognized Environmental Conditions, Phase II Recommended, Assessment Phase + 5 more fields |
| Pro Forma Property Operating Statement | Extracts Projected Gross Potential Rent, Assumed Vacancy Factor, Projected Effective Gross Income + 5 more fields |
| Property Comparables | Extracts Comparable Address, Year Built / Renovated, Building Class + 5 more fields |
| Property Operating Statement | Extracts Gross Potential Rent, Vacancy Loss, Effective Gross Income + 4 more fields |
| Rent Comps | Extracts Rent Comp Property, Asking Rent, Effective Rent + 5 more fields |
| Rent Roll | Extracts Total Units, Occupied Units, Occupancy Rate + 4 more fields |
| STR Report | Extracts Subject Occupancy (T-12), Subject ADR (T-12), Subject RevPAR (T-12) + 5 more fields |
| Sales Comps | Extracts Sale Price, Price Per Square Foot, Sale Date + 5 more fields |
| Signed Lease Contract | Extracts Tenant Legal Name, Premises / Suite, Base Rent + 5 more fields |
| Document | What Uptiq extracts |
|---|---|
| Flood Insurance Certificate | Extracts Flood Zone Designation, Special Flood Hazard Area, Flood Coverage Amount + 5 more fields |
| Flood Investigation | Extracts Flood Zone (Structure), In Special Flood Hazard Area, FIRM Panel / Suffix + 5 more fields |
| Property Insurance | Extracts Insurance Carrier, Policy Number, Dwelling or Building Coverage Limit + 5 more fields |
| Title Copy | Extracts Registered or Vested Owner, Title Number, VIN or Legal Description + 5 more fields |
| Vendor Wiring Instructions | Extracts Beneficiary Name, Beneficiary Bank, Routing / ABA Number + 5 more fields |
How It Works
Send the whole deal package at once — appraisal, rent roll, leases, operating statements, and comp sets, in any order.
Every file is typed on arrival, so a pro forma property operating statement is never read as an actual T-12.
Unit-level rents, cap rate, appraised value, immediate repair cost, and lease terms come out of 200-page PDFs as fields.
In-place rents are cross-checked against signed lease contracts, and appraised value against the sales comps behind it.
Effective gross income, operating expenses, and NOI are rebuilt from actuals so the sponsor’s pro forma can be stressed.
Structured deal data posts to your LOS, core, and CRM, with each field traceable back to its source page.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
Key Benefits
Property operating statements, business tax returns, and rent rolls are spread once, in hours, instead of over a week of analyst reading.
The property narrative, the comp set, and the NOI build arrive as structured data rather than being retyped out of the appraisal.
Accuracy is certified by a Knowledge Team of former underwriters, bankers, and analysts, and every extraction stays auditable back to the source page.
When an updated rent roll or property operating statement arrives mid-term, a DSCR or occupancy breach surfaces the next day instead of at the next quarterly review.
Common Questions
Related Industries
Book a 30-minute session. We'll run a live extraction demo on your own cre lending documents.
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