For borrowers
AIVAA underwrites every CR Equity loan. You don't order it - it runs on your deal automatically when you apply.
AIVAA™ — AI Valuation & Analytics Assessment
Commercial property evaluations in hours, not weeks.
Twelve data sources, three valuation approaches, one audit-ready PDF. Reconciled value in minutes. Full audit-ready report in 4-6 hours.
Get terms on my deal
For partners
Brokers, sponsors, and capital partners
Want AIVAA on your own deals? We're opening access to a small group first.
The process
Address in. Credit-committee report out.
A traditional appraisal takes two to four weeks, most of it spent waiting on a vendor's calendar. Four steps run here instead — Reconciled value in minutes. Full audit-ready report in 4-6 hours.
minutes
Reconciled value
4-6 hours
Full audit-ready report
- 01
Address submitted
A borrower or analyst submits a commercial property address. AIVAA resolves the parcel, ownership, and local market context.
- 02
Twelve-source synthesis
Public and licensed feeds — sales, rents, costs, demographics, crime, permits, and mapping — pull into a single property record.
- 03
Three-approach valuation
Sales comparison, cost, and income approaches run together, with a liquidation stress case for downside underwriting.
- 04
Audit-ready PDF
Reconciled value, underwriting outputs (LTV, feasibility, loan sizing), compliance disclosures, and a full input-and-adjustment audit trail.
Contents
Twelve sections. Nothing hidden.
Three valuation approaches in one PDF, written so a credit committee can read it without an analyst translating — and so an examiner can retrace every number.
- 01
Property identification
Address, parcel ID, legal description, zoning, lot, flood zone, prior transfers.
- 02
Physical characteristics
GLA, beds, baths, year built, condition, waterfront and shoreline, permits, renovations.
- 03
Market analysis
Census tract, OSM and ATTOM N2 boundaries; ACS demographics; FBI UCR crime; absorption and luxury velocity.
- 04
Sales Comparison Approach
IQR outlier screen, k-means clustering, FHFA HPI time-adjustment, and GLA / lot / location / waterfront / view adjustments.
- 05
Cost Approach
Method B replacement-cost build-up on BLS PPI materials and construction services; depreciation across physical, functional and external.
- 06
Income Approach
Market rent, vacancy, operating expenses, NOI, cap rate, DSCR, and a direct-capitalization conclusion.
- 07
Liquidation / stress case
A forced-sale discount calibrated by the Market Volatility Index, giving an orderly-liquidation floor for downside underwriting.
- 08
Final reconciliation
Weights and reconciles the Sales Comparison, Cost and Income indications into a single value with a risk-adjusted band.
- 09
Underwriting outputs
LTV, feasibility score, loan sizing and a flag list — handed straight to your credit committee.
- 10
Compliance & disclosures
Scope-of-work statement, data-source disclosures, and framing positioned explicitly as an IAEG evaluation.
- 11
Audit trail
Every input and every adjustment logged with its source and timestamp. Reviewable by examiners and credit committees.
- 12
Data transparency
Per-source lineage. When a feed is unavailable, AIVAA shows the gap rather than papering over it.
Data spine
Twelve sources, one record
Nine of the twelve are public record or licensed third-party data — you can check our working. The three we built ourselves are the ones we log most carefully.
Public record
5Government and federal statistical feeds. Free to verify, impossible to fudge.
- FRED — FHFA HPI
- Time-adjustment of comparable sales
- BLS PPI
- Materials and construction-services inflation
- U.S. Census ACS
- Tract demographics, employment, migration
- FBI Crime Data Explorer
- State UCR crime indexing
- OpenStreetMap
- Neighborhood and administrative boundaries
Licensed
4Commercial property data, under contract.
- PropertyRadar
- Subject, parcels, transactions, comps
- ATTOM Data Solutions
- Property detail, permits, schools, N2 boundary
- Shovels.ai
- Independent permit feed, 20-year lookback
- Cloud CMA
- MLS-backed Quick CMA supplement
In-house engines
3Our modeling layer. Every adjustment it makes is logged in the audit trail.
- Comp engine
- Outlier screening and comparable clustering
- MSI / MVI composite
- Market stability and volatility indices
- View engine v1
- Heuristic view-quality scoring
Where it fits
How it differs from a traditional appraisal
AIVAA does not replace a certified appraisal above the federal threshold. It is the evaluation that fits below it, and the pre-underwriting layer above it.
| Traditional appraisal | AIVAA evaluation | |
|---|---|---|
| Turnaround | 2-4 weeks — vendor scheduling, site inspection, draft, review | Reconciled value in minutes, full audit-ready report in 4-6 hours |
| Cost | $2,500-$5,000+ per commercial appraisal | $999 flat per deal. See pricing |
| Transparency | A PDF deliverable; the working file is reviewer-only | Every input and adjustment logged in-report, with source attribution |
| Audit trail | Workpaper retention is the appraiser's responsibility | Immutable per-source lineage. Examiner-ready by default |
| Data freshness | Static as at inspection - often stale by the funding date | Pulled live at request time. Re-run any AIVAA in minutes |
| Regulatory framing | A USPAP appraisal - required above $500K commercial transactions | An IAEG-aligned evaluation - fits at or below $500K, and screens above it |
Compliance
The questions examiners ask
Scope, methodology and where the federal line sits. Answered plainly, because a compliance officer will find the caveats anyway.
Ready for terms on your deal?
AIVAA already runs on every CR Equity loan. Apply once — valuation is part of underwriting, not a separate order.
AIVAA is an evaluation, not an appraisal. State-certified appraisals are required for federally-related commercial real estate transactions above $500,000.