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Deal Intelligence

AI Underwriting Memo Agent

Generates structured one-page deal memos from PDFs and emails, covering thesis, key financials, risk flags, and next steps in minutes.

Overview

The AI Underwriting Memo Agent reads deal documents and auto-generates structured one-page memos. Key financials, risks, and recommendations are extracted and formatted.

What AI Underwriting Memo Agent Solves

Generating a deal memo takes 2-4 hours of analyst time: read rent roll, financials, appraisal, extract numbers, write up thesis. Deadlines are tight. AI Underwriting Memo Agent reads all deal documents, extracts financials, identifies risks, and generates a structured one-page memo. Analyst reviews and edits in 15 minutes instead of 3 hours.

How It Works

Deal documents (rent roll, financials, appraisal, title report) are uploaded. The agent generates a structured memo covering thesis, numbers, risks, and recommendation.

1

Document Ingestion & Key Data Extraction

The agent reads all deal documents and extracts key financials: gross rent, NOI, cap rate, expenses.

Read rent roll: extract unit count, occupancy, rent per unit, gross rental income
Read financials: extract NOI, EBITDA, expenses, taxes
Read appraisal: extract value estimate, comparable sales
Flag key numbers: occupancy <85%, high cap rate, low value opinion
2

Risk Identification & Thesis Development

Financial data is analyzed for risk flags. Investment thesis is drafted based on financials and property fit.

Risk scoring: occupancy risk, tenant concentration, property condition
Identify red flags: declining NOI, high leverage, single major tenant
Draft thesis: 'Value-add opportunity in secondary market with upside from rent growth'
Calculate metrics: cash-on-cash, IRR, equity multiple
3

Memo Generation & Analyst Review Package

Structured memo is generated with financials, risks, thesis, and recommendation. Analyst reviews and edits.

Generate one-page memo: Executive Summary, Financial Summary, Risk Analysis, Recommendation
Format: key numbers highlighted, risks bulleted, next steps clear
Attach supporting docs: rent roll snapshot, comparable sales summary
Send to analyst for review/edit in 30 minutes vs 3 hours

Key Benefits

✓One-page memo covers all essentials — no page-turning required
✓Key numbers are extracted automatically — no manual copying
✓Risk flags are highlighted — analysts don't miss red flags
✓3-hour job becomes 15-minute edit — massive time savings

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AI Underwriting Memo Agent | The Independent Broker Collective