AIVAA™ · Property valuation
How AIVAA values the property. Without the appraisal wait.
AIVAA™ — AI Valuation & Analytics Assessment. Get an initial property valuation in minutes and a full, audit-ready report in 4-6 hours.
You apply for the loan, and AIVAA runs the evaluation as part of the process. You don't need to order an appraisal just to see your terms or wait weeks for an appraisal before moving forward.
This is not an appraisal. AIVAA is an evaluation. Some closings still need a certified appraisal. Terms do not wait on that report.
- Reconciled value
- minutes
- Full report
- 4-6 hours
- To see terms
- 5 minutes
- Approaches
- 3
What this is
Can you refinance a rental without a full appraisal?
You can see terms without paying for a third-party appraisal and waiting 2–4 weeks. AIVAA™ property valued in minutes, not weeks.
That is not the same as a “no appraisal loan.” A certified appraisal is still required on federally related commercial transactions above $500,000, and many DSCR files that will be sold still carry a Form 1004. The wait is not what holds up your number.
How it works
How AIVAA values the property
Same 3 approaches a credit committee already knows. Faster inputs. The decision is still a person.
01
Address in
You apply with the property address. AIVAA resolves the parcel, ownership, and local market. You do not schedule an inspector to get a number.
02
Twelve sources
Public and licensed feeds pull in the same pass: sales, rents, replacement cost, permits, demographics, crime, and mapping. Gaps stay visible.
03
Three approaches
Sales comparison, cost, and income run together, plus a liquidation case for downside. The report shows the three indications and the weight on the reconciled value.
04
Report out
Reconciled value in minutes. Full audit-ready report in 4-6 hours. Underwriting reads the same PDF. A human still signs the credit decision.
Sample output
What AIVAA actually produces
Illustrative file — not a live underwriting result. The live report is a 12-section PDF with source lineage on every adjustment.
AIVAA™ evaluation · sample
8-unit mixed-use, Tampa, FL
Not an appraisal
Reconciled value
$1,250,000
Weighted 50 / 20 / 30 across sales, cost, and income.
| Approach | Indication | Weight |
|---|---|---|
| Sales comparison Recent sales, adjusted for time, size, location, and condition. | $1,240,000 | 50% |
| Cost Replacement cost less depreciation, with current construction inputs. | $1,180,000 | 20% |
| Income Market rent, vacancy, expenses, and capitalization — not the borrower’s spreadsheet. | $1,310,000 | 30% |
Sources on this pass
- FRED — FHFA HPI
- BLS PPI
- U.S. Census ACS
- FBI Crime Data Explorer
- OpenStreetMap
- PropertyRadar
- ATTOM
- Shovels.ai
- Cloud CMA
- Comp engine
- MSI / MVI
- View engine
Full sample is a PDF. Preview is not for distribution. Product detail, data sources, and examiner FAQ.
The difference
Do you need an appraisal to see terms?
No. AIVAA estimates the property’s value when you apply, so you can see terms without waiting for a full appraisal. Some loans may still require a certified appraisal before closing.
| Traditional appraisal | AIVAA™ on your application | |
|---|---|---|
| To see terms | 2–4 weeks after you order and pay | minutes — runs when you apply |
| Cost to see a number | $2,500–$5,000 for a commercial appraisal | $999 when the loan closes |
| Full written report | Same two-to-four-week wait | 4-6 hours |
| What it is | A certified USPAP appraisal | A property evaluation, not a certified appraisal |
| At closing | You already paid for this just to see terms | Some files still need a certified appraisal |
When an appraisal is still required
This is not a no-appraisal loan
AIVAA is not a waiver you print on every file. It is how we value the property so terms are not waiting on a vendor calendar.
Search results for “no appraisal DSCR” are usually AVM or BPO waivers with LTV haircuts. We skip the $3,000 wait. We do not skip valuation, and we do not advertise a product that never uses an appraiser.
- F.L.E.X. 50™AIVAA AVM only. No full appraisal on this program.
- Hard money / bridge / Fix & FlipTerms on AIVAA. Some closings still need a certified appraisal.
- DSCR refinanceAIVAA sizes the file so you can see terms. Many sold DSCR files still carry a Form 1004.
- Federally related commercial above $500,000Certified appraisal required. AIVAA is the pre-underwriting layer, not the substitute.
Where this runs
AIVAA underwrites the loan you applied for
Direct lender. We lend our own capital. Valuation is part of underwriting, not a separate order you wait on.
- DSCR refinanceSee terms while the 1004, if needed, is still on the clock.
- Hard moneyShort-term, asset-based. Valuation wait is not the delay.
- Commercial bridgeTimed closes. AIVAA runs when you apply.
- Fix & FlipPurchase plus rehab. After-repair value from the same evaluation.
- F.L.E.X. 50™Light file. AVM only. Capped at 50% LTV.
Questions
Valuation questions
Direct answers. The number is on this page, not behind a call.
No. AIVAA is an evaluation, not a USPAP appraisal. State-certified appraisals remain required for federally related commercial transactions above $500,000.
Some other files still need a certified appraisal at closing. Terms do not wait on that report.
You can see terms without ordering a $3,000 appraisal and waiting 3 weeks. AIVAA values the property when you apply.
Many DSCR files still carry a Form 1004, especially if the loan is sold. We do not sell a blanket no-appraisal DSCR product.
You do not wait on a third-party appraisal to see terms. AIVAA™ property valued in minutes, not weeks. Full audit-ready valuation report in 4-6 hours.
Some closings still need a certified appraisal. F.L.E.X. 50™ runs on the AIVAA AVM only.
Borrowers do not order AIVAA. It runs on every CR Equity loan when you apply.
Partners who want AIVAA on their own book can join the early-access list on the AIVAA product page.
Reconciled value in minutes. Full audit-ready report in 4-6 hours.
AIVAA is $999 flat per deal on CR Equity originations. A typical commercial appraisal runs $2,500–$5,000 and takes 2–4 weeks.
See the published pricing policy for program fees.
Next step
See terms on the deal
Real terms in 5 minutes. Soft credit pull only — no hit to your score to get terms. AIVAA runs when you apply.
Get funded