{
  "metadata": {
    "version": "2.2.0",
    "createdAt": "2025-12-09T04:29:06.656Z",
    "source": "loanintelligence-pipeline",
    "documentCount": 15
  },
  "loanInfo": {
    "summary": "John Doe through Main Street Properties LLC seeks a $360,000 purchase loan for 123 Main St, Columbus, OH 43215. Strong borrower profile with excellent credit (FICO 740), substantial liquidity ($800K available), and healthy debt service coverage ratio of 1.25x indicating solid cash flow fundamentals.",
    "propertyInfo": {
      "address": "123 Main St, Columbus, OH 43215",
      "propertyType": "single_family",
      "purchasePrice": 450000,
      "appraisedValue": 450000,
      "units": 1
    },
    "borrowerInfo": {
      "borrowerName": "John Doe",
      "borrowerEntity": "Main Street Properties LLC",
      "creditScore": 740,
      "netWorth": 2000000,
      "liquidity": 800000
    },
    "loanDetails": {
      "transactionType": "purchase",
      "requestedLoanAmount": 360000,
      "termLength": "30 Year Fixed",
      "loanTermMonths": 360
    },
    "dscrInputs": {
      "monthlyRent": 3600,
      "annualInsurance": 1800,
      "annualTaxes": 4500,
      "annualHOA": 0,
      "dscr": 1.25
    },
    "loanCalculations": {
      "ltv": 80,
      "interestRate": 7.25,
      "loanAmount": 360000,
      "principalAndInterest": 2455.83,
      "monthlyTaxes": 375,
      "monthlyInsurance": 150,
      "monthlyHOA": 0,
      "monthlyTotalCost": 2980.83
    }
  },
  "processingChecklist": {
    "applicationDocuments": {
      "loanApplication": "Cleared",
      "purchaseContract": "Cleared",
      "proofOfFunds": "Cleared",
      "entityDocs": "Cleared",
      "creditAuthorization": "Cleared",
      "borrowerID": "Expired"
    },
    "financialDocuments": {
      "personalFinancialStatement": "Cleared",
      "bankStatements": "Cleared",
      "taxReturns": "Outstanding",
      "rentRoll": "Outstanding"
    },
    "propertyDocuments": {
      "appraisal": "Cleared",
      "titleCommitment": "Outstanding",
      "insurance": "Cleared"
    }
  },
  "underwritingAssessment": {
    "recommendation": "approve",
    "recommendationReasoning": "The loan demonstrates strong fundamentals across all key dimensions. The borrower presents excellent creditworthiness with a FICO score of 740, substantial financial reserves ($800K liquidity, $2M net worth), and the property shows adequate cash flow with a DSCR of 1.25x. While one identification document is expired and some items remain outstanding, these can be resolved pre-closing and the core financial strength supports approval.",
    "overallScore": 76,
    "riskDimensions": {
      "credit": "low",
      "collateral": "low",
      "liquidity": "low",
      "documentation": "medium"
    },
    "strengths": [
      "Strong borrower creditworthiness (FICO 740)",
      "Excellent liquidity position ($800K available)",
      "Conservative LTV at 80% provides equity cushion",
      "Adequate DSCR of 1.25x meets minimum requirements",
      "Net worth of $2M demonstrates financial capacity"
    ],
    "concerns": [
      "Borrower ID expired - updated documentation required before closing",
      "Tax returns and rent roll outstanding - needed for final approval",
      "Title commitment pending - critical for closing timeline"
    ],
    "keyFindings": [
      "Strong borrower creditworthiness (FICO 740)",
      "Excellent liquidity position ($800K available)",
      "Conservative LTV at 80%",
      "DSCR of 1.25x meets minimum threshold",
      "Expired ID and outstanding docs require attention pre-closing"
    ]
  }
}