The Future of Real Estate and Non-QM Lending
Not only are we a direct lender, but you actually get a pre-approval with pre-underwritten approval — with over 200 investor products from the best hard money lenders, the best DSCR investors, and the best mortgage-backed banks in the nation.
One click for AI-powered intelligence on people, properties, companies, and real estate topics — so you walk into every call prepared.
Klint McKinney
Senior Loan Officer and owner of Direct Lender AI
It's Easy — 1, 2, 3
Get Free Access to All Our AI Tools
Free access to every AI tool we've built for real estate professionals — lender matching, property values, market rent, intel briefings, and more.
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Application to Approval
100% AI
Powered Every Step
200+ Investor Products
Real Guidelines & Matrix
Underwritten
Not Just Pre-Approved
The Real Estate Intel Center
Research anybody or any property in seconds. Walk into every listing appointment and every showing as the most prepared person in the room — with talking points, watch-outs, and opportunities written out for you.
Research a seller
Someone thinking about hiring you to list their property — know who they are before the appointment.
Research a buyer
Understand the buyer looking for a property before you ever meet them.
Research a property
Pull what you need to know about any property before you advise on it.
Our Loan Flagship Programs!
Real matrix terms from the programs we lend on every day — not ballpark estimates.
Fix & Flip
100% Financing Available
Niches we fund
New Construction
12-Month Ground-Up
DSCR Rental
Up to 80% Cash Out
Niches we fund
Hard Money Bridge
Purchase & Refinance
Niches we fund
Program terms shown are representative maximums and vary by borrower experience, credit profile, property type, and market. All loans are subject to underwriting approval. This is not a commitment to lend.
Not Another Mortgage AI Platform
Other platforms stop at pre-approval letters. We go all the way to underwritten approval — and everything in between.
Underwritten Approvals, Not Pre-Quals
Other mortgage AI platforms give you a pre-approval letter. We give you an actual underwritten approval based on lender guidelines and matrix — after your documents are uploaded.
Real Lender Matrix
We've mapped the guidelines, rate sheets, FICO tiers, and buy boxes of 200+ Non-QM lenders. Your deal is matched against real data, not estimates.
Start to Finish in One Platform
Application, document collection, AI verification, lender matching, term sheets, LOI signing, pipeline tracking, funding. All in one place.
AI-Driven Every Step
From the Quick Term AI Assistant that collects your info conversationally, to AI document analysis, to AI niche analysis on every lender in the matrix.
Pre-Approval Letter vs. Underwritten Approval
A pre-approval letter says "you might qualify." An underwritten approval says "you ARE approved, based on these lender guidelines, after your documents have been reviewed." That's the difference. That's what we deliver.
Give Your Clients Real Approvals
Stop sending clients to lenders who hand out meaningless pre-qualification letters. Give them actual underwritten approvals.
Real Approvals, Not Paper Promises
Give your clients actual underwritten approvals, not just pre-qualification letters that mean nothing at the closing table.
30-Minute Turnaround
Your client can have a real approval in hand before they leave the showing. Serious buyers close faster.
Close More Deals
Buyers with real underwritten approvals close faster and fall through less. Be the agent who delivers.
Co-Branded Experience
Your clients get a personalized experience with your loan officer's branding, profile, and AI assistant.
Watch the Platform Work
See how Direct Lender AI takes a deal from application to underwritten approval.
Platform Overview
See how Direct Lender AI takes a borrower from application to underwritten approval in 30 minutes.
Fix & Flip Walkthrough
Watch a real fix & flip deal flow through the platform — from AI intake to lender match to funded.
DSCR & New Construction
See how DSCR and ground-up new construction loans are matched, underwritten, and closed.