Bancaverse™ Private Money

By Bancaverse

Overview

AI-powered private money platform for real estate investment loans. Describe your deal and get a preliminary snapshot: LTV, LTC, ARV-LTV, DSCR, NOI, debt yield and payments, plus what a private lender will ask for. Learn any private-credit term in plain English. Covers fix & flip, DSCR rentals, bridge, construction, multifamily and commercial (business-purpose only). When you're ready, add your deal with the Bancaverse AI application or ask the team to reach out. Educational and preliminary only, not an approval.

Tools

assess_deal

ChatGPT

Analyze a user-described business-purpose real estate financing scenario: calculate available ratios, list the information a private lender will still need for that loan type, and return a preliminary educational view and next step. Does not make lending decisions, does not match lenders and does not guarantee financing.

calculate_debt_yield

ChatGPT

Calculate debt yield = annual NOI ÷ loan amount. Educational math only.

calculate_dscr

ChatGPT

Calculate debt service coverage ratio. Commercial/multifamily: annual NOI ÷ annual debt service. 1–4 unit rentals: monthly rent ÷ monthly PITIA. Educational math only.

calculate_ltc

ChatGPT

Calculate loan-to-cost (loan ÷ total project cost = purchase + rehab/construction + other approved costs) and the borrower equity needed. Educational math only.

calculate_ltv

ChatGPT

Calculate loan-to-value (loan ÷ as-is value) for a business-purpose real estate loan from a user-provided loan amount and property value. Educational math only; does not determine eligibility or approval.

calculate_max_loan

ChatGPT

Calculate the loan amount implied by a target LTV and/or LTC the user chooses, and the cash the borrower would need. Illustrative only; lenders set actual leverage.

calculate_noi

ChatGPT

Calculate net operating income = gross operating income − operating expenses (excludes debt service). Educational math only.

calculate_payment

ChatGPT

Calculate a monthly loan payment at an interest rate the USER supplies (interest-only or amortizing). Never assumes or suggests a rate.

lookup_private_credit_term

ChatGPT

Return a plain-English definition of a private-credit or real estate lending term (e.g. LTV, LTC, DSCR, ARV, bridge loan, points, recourse, mezzanine debt).

submit_lead_request

ChatGPT

Send the borrower's own contact details and a short deal summary to the Bancaverse loan team so they can reach out. Use ONLY after the borrower explicitly asks to be contacted and provides their own name and email. Sends data outside ChatGPT to Bancaverse. Does not submit a loan application, does not contact lenders, and returns no lender or borrower information.