Skip to main content

AIVAA™ — OUR AI VALUES YOUR PROPERTY IN MINUTES. NO $3,000 APPRAISAL, NO THREE-WEEK WAIT

Glass skyscraper rising against a clear sky

Direct lender · AI underwriting · 48 states

Bring us the deal your bank is still thinking about.

Real terms in 5 minutes. Funded in as little as 48 hours. We lend our own capital.

Get terms in 5 minutesSee loan programs

Soft credit pull only — no hit to your score to get terms

Loans closed
477
Loan range
$75K-$100M
Closing rate, 2025
~95%
Inc. 5000, 2025
#1,036

Most deals don't die on the merits. They die in the diligence.

How a direct lender with AIVAA answers, values, and funds — compared with waiting on a bank or brokered hard-money desk.

CR Equity AI, Inc. was founded in 2021 to close the deals that stall when diligence outlasts the opportunity. We originate, underwrite and fund specialty real estate private credit: bridge, fix-and-flip, DSCR and rental, purchase-plus-rehab, ground-up construction and small-balance commercial.

AIVAA™, our proprietary generative agent stack, does the work that normally creates the delay — valuing the asset, sizing the loan, modeling cash flow and tracking conditions — continuously, on every file. Sponsors get answers in the window where the answer still matters. Licensing, credit judgment and signature authority sit with humans, and always will. AIVAA builds the file. People decide.

The difference, side by side

Bank or brokered hard-money deskCR Equity AI — direct lender
Who decidesA committee, often a broker taking pointsWe do. We lend our own capital.
First answer2 to 6 weeksUnderwriting decision in 4 hours.
Valuation$3,000 appraisal and 3 weeksminutes, AI-run (full report in 4-6 hours)
Credit impactHard pullSoft pull only — no hit to your score to get terms
Deal statusEmail your loan officer and waitLive dashboard, any time
FundedDay 45–90Typical close is 9-15 days

Who signs

Accountability has a name on it. These are the people who carry the licenses, the attestations, and the relationships.

Read more on About
Rob Stewart, Founder & Chief Executive Officer of CR Equity AI

Robert Stewart Jr.

Founder & Chief Executive Officer

Rob founded CR Equity AI in 2021 on a conviction he tested the hard way as an investor and licensed practitioner: private credit deals rarely fail on the merits — they fail in the diligence. He set out to build a lender where analysis moves at the speed the deal requires, and where the answer a borrower gets is a real one.

As CEO he owns strategic direction, capital deployment, investor relations and key partnerships. He built the company through near-bankruptcy and more rejections than he can count — one early reviewer called it “a nice hobby.”

“The days of begging capital providers to look at our deals are in the rear-view mirror.”
Service
U.S. military veteran
Licensed
Real estate, FL & VA
Also
Published author
Investor
CR Equity Development Operations LLC

Who signs alongside him

  • Aayush L.

    Chief Development Officer

    Engineering roadmap and architecture of the agent platform.

  • James P.

    Chief of Compliance & Security

    Personal sign-off on every compliance attestation.

  • Steve F.

    General Counsel

    Attorney-of-record sign-off on investor documentation.

AIVAA™ — AI Valuation & Analytics Assessment

See how AIVAA works

Property data in. Credit-committee report out.

12 data sources. Three valuation approaches. One reconciled property value backed by a traceable audit trail.

Get a full, audit-ready valuation report in 4-6 hours — not weeks.

  1. 01

    Address submitted

    Parcel, ownership and market context resolved.

  2. 02

    12-source synthesis

    Sales, rents, costs, permits and more in one record.

  3. 03

    3-approach valuation

    Sales, cost and income — plus a liquidation stress case.

  4. 04

    Audit-ready report

    LTV, sizing, disclosures and a full audit trail.

The data spine — twelve sources, one record

Public record · 5

  • FRED — FHFA HPI
  • BLS PPI
  • U.S. Census ACS
  • FBI Crime Data Explorer
  • OpenStreetMap

Licensed · 4

  • PropertyRadar
  • ATTOM Data Solutions
  • Shovels.ai (20-yr permits)
  • Cloud CMA (MLS-backed)

In-house engines · 3

  • Comp engine
  • MSI / MVI composite
  • View engine v1

Humans carry judgment

  • Credit decisions and contextual override
  • Licensed sign-off and attestations
  • Borrower, broker and partner relationships
  • Negotiation and closing execution

The agent layer carries volume

  • Valuation, sizing and scenario modeling
  • Cash-flow projections and variance
  • Condition tracking through draw
  • Compliance calendars and reporting

Appraisal wait vs AIVAA

Traditional appraisalAIVAA™ evaluation
Turnaround2–4 weeksValue in minutes; full report in 4-6 hours
Cost$2,500–$5,000+$999 on non-DSCR files; not charged on DSCR
Audit trailAppraiser's workpapersEvery input logged with source and timestamp

AIVAA™ is an IAEG-aligned evaluation, not an appraisal. State-certified appraisals remain required for federally related commercial transactions above $500,000.

Seven loan programs. One place to start.

Find the right financing for your deal. Explore our seven loan programs and get terms in minutes with a soft credit pull — no impact on your credit score.

Purchase

Buy a CRE or residential investment property

You found a deal and the seller won't wait. Close in 9-15 days, not months — no income verification, a soft credit pull to see terms, and a direct lender making the call.

Apply in 2 minutesView full terms
Typical close
9-15 days
Income docs
Not required
Credit
Soft pull
Loan size
$75K-$100M

Built for

  • Investors racing a seller's deadline
  • Self-employed and 1099 borrowers
  • Commercial and 1–4 unit residential
  • First-time and ITIN investors

Recent close · Oct 2026

Lebanon County, PA — funded in 8 days

A first-time ITIN investor bought a 4-bedroom rowhome with a DSCR purchase loan. Approved the next day.

Read the deal

Refer deals. Earn at closing.

Join our broker referral program and connect your clients with a direct lender offering competitive financing, transparent terms, and a streamlined closing process. Register now

Broker program details
~5 min
To register
$0
To open an account
~95%
2025 closing rate
Broker compensation
Compensation typeMaximumApplies to
Broker origination feeUp to 2%Loan amount, charged to the borrower
Broker administrative fee$500 / $1,000Loans up to $1M / above $1M
Referral transaction50% of net profitQualifying bare referrals, in lieu of fees

Five steps, about five minutes

  1. 01

    Open the sign-up page

  2. 02

    Create your account

  3. 03

    Verify email and phone

  4. 04

    Profile, license and KYC

  5. 05

    Sign, W-9 and payout setup

Eligibility: 18+, licensed or active CRE professional, U.S.-based with SSN or EIN, AML/KYC verification, access to CRE deal flow, and agreement to the TPO terms. Portal submission registers the deal and protects your fee.

Compensation is earned only on funded loans, paid at closing from settlement, and must be disclosed in a borrower-signed fee agreement. Approval and funding are not guaranteed. An AIVAA™ subscription is required to use the broker portal.

Recently funded deals

See how we turn financing opportunities into funded loans through real deal examples, backed by 477 loans funded since 2021, a typical closing timeline of 9-15 days, and an approximately 95% closing rate in 2025. View funded loans

Institutional capital. One lending partner.

Backed by Redwood Trust (NYSE: RWT) through its CoreVest and Aspire platforms, we take deals from application to clear-to-close with institutional capital behind us. We lend our own capital first and place deals with the right funding partner when it makes sense — without making you shop around or manage multiple lenders.

Capital partners

  • Faster answers

    Diligence runs in ~3 minutes; the capital decision now moves as fast.

  • Certainty to close

    Every file screened against take-out guidelines before commitment.

  • Institutional backing

    Supported by a NYSE-listed capital partner.

Memberships & registrations

Things worth knowing

  • 414%

    Three-year growth behind the Inc. 5000 ranking (#1,036, 2025).

  • 15 people

    Fourteen technical staff and one executive assistant run the platform.

  • ~3 min

    Automated due diligence on a new file.

  • Every seat ×2

    Each executive is paired with an agent function that carries the volume.

  • $0 SaaS

    No platform subscription behind the loan; terms published up front.

Two minutes to apply. An answer in hours — including a fast no.

Soft credit pull only — no hit to your score to get terms. No appraisal fee to get terms. A real number back in about 4 hours, and a live dashboard from term sheet to funding.