Your Deal Should Take 10 Minutes to Underwrite. Not 8 Hours.
DealReady compresses 4–8 hours of real estate underwriting into less than 10 minutes — a capital-partner-ready memo, Excel model, and lender package, for any deal type.
Reinaldo Padron
May 29, 2026
Let me tell you about a problem I've watched play out dozens of times in the Miami market.
A developer gets a call. There's a site in Wynwood — 7,200 SF lot, shovel-ready entitlements, a motivated seller. The broker wants a letter of interest by Friday. The developer has three days to decide if the numbers work.
Or a mortgage broker gets an email. A developer client wants to refinance a stabilized 40-unit multifamily in Doral. Lenders want a full package before they'll quote. The broker has to underwrite the deal before they can even shop it.
The deal type is different. The pain is identical: pull the OM, open Excel, build the model from scratch, hunt for comps, gut-check the numbers, write a memo. Forty-eight hours later there's something decent — but it took two full working days, it's not stress-tested, and the sensitivity analysis got cut for time.
This is how the entire industry underwrites deals in 2026 — whether it's a ground-up development or a cash-flowing acquisition. One spreadsheet, one analyst (or no analyst), and a lot of hours that could be spent on higher-value work.
What DealReady does
DealReady is an AI-powered underwriting system that works for any real estate deal — ground-up development, value-add acquisition, or stabilized income-producing property. You upload the offering memorandum (and architectural plans if it's a development), answer five quick questions, and get back a complete underwriting package in under ten minutes.
Not a template. Not a chatbot that gives you bullet points. A full institutional-grade package: a 10-to-12-page investment memorandum, an 8-tab Excel model with live formulas, and a lender-ready PDF — all cross-validated against current market data. The workflow is the same whether you're underwriting a shovel-ready site or a stabilized 80-unit multifamily.
We built this from a real deal: a 24-unit mixed-use development in Wynwood Norte called Awacate. The full underwriting — extraction from architectural plans, market research, scenario modeling, Excel model, investment memo — took a team of AI agents 9 minutes. The output was indistinguishable from what a senior analyst would produce in two days.
How it works
1. Upload your deal documents. Drag in the OM, architectural plans, and any GC bids you have. DealReady reads them automatically — unit mix, square footage, lot size, sponsor details, asking price, current rents if it's an income-producing asset.
2. Answer 5 questions. Hold strategy, available equity, submarket positioning, debt assumption. Takes about 90 seconds.
3. Agents work in parallel. While you wait, specialized AI agents pull rental and sale comps for the submarket, validate the construction budget against verified cost benchmarks, and model multiple exit scenarios simultaneously.
4. Your package is ready. You get an investment memorandum, an Excel underwriting model, and a lender package — all cross-checked for consistency. Top-line returns, DSCR, IRR, MOIC, and any flags the system identified surface immediately.
| Step | Without DealReady | With DealReady |
|---|---|---|
| Property data extraction | 30–45 min | ~1 min |
| Market research (comps) | 60–90 min | ~2 min |
| Build Excel model | 90–180 min | ~1 min |
| Write investment memo | 60–120 min | ~1 min |
| QA + scenario runs | 30–60 min | ~1 min |
| Review + send | 15–30 min | 5 min |
| Total | 5–8 hours | ~10 minutes |
What you get out
Every run produces the same complete package:
- Investment Memorandum (PDF + DOCX)
- 8-Tab Excel Underwriting Model
- Lender Package (credit memo format)
- Scenario Analysis (sell vs. hold vs. hybrid)
- Sensitivity Tables (rate, rent, cost)
- Comp Set with Sources
- Construction Cost Validation
- Risk Flags & Underwriting Notes
Who it's for
Real estate developers — bid on ground-up sites or acquisitions the same day they surface. Raise capital with institutional-grade packages whether you're presenting a development pro forma or a stabilized asset to a lender or equity partner. Test five scenarios before committing to one.
Lenders — run an independent underwrite on any loan application — construction, bridge, or permanent — in minutes. Catch optimistic borrower assumptions on income-producing or development deals before they become portfolio risk. Document your credit committee memo in the same workflow.
Commercial mortgage brokers — win mandates by being the broker who came back first with a complete package. Stress-test your sponsor's numbers before shopping to lenders. Your credibility is your leverage — protect it.
The problem isn't skill. It's time.
Every person reading this knows how to underwrite a deal. That's not the bottleneck. The bottleneck is that there are only so many hours in a day, comp research is tedious, Excel models break when you change assumptions, and writing a polished memo after a full day of modeling is the last thing anyone wants to do.
The best deal isn't always the one with the highest returns. It's the one you could analyze fast enough to act on.
DealReady doesn't replace your judgment — it removes the mechanical overhead that surrounds it. The system flags when a GC bid is at the high end of the market. It asks you before using a comp set it's uncertain about. It tells you when both the condo and rental paths pencil so you can decide which to highlight.
The underwriting is yours. The grunt work isn't.
The math is simple
A commercial mortgage broker who closes 10 deals a year spends roughly 70 hours on underwriting — just on the mechanical parts. At $200/hr of opportunity cost, that's $14,000 a year on work a machine should be doing.
One extra deal closed because you were first to respond with a complete package? On a $10M loan at 1% fee, that's $100,000. DealReady pays for itself in a fraction of that.
For a developer, professional underwriting packages are the difference between a capital partner saying yes today and asking you to come back with more work done. Time-to-capital is money.
For a lender, one prevented bad loan more than pays for the tool for a decade.
We're currently in early access
DealReady is being built in Miami, from a real deal, for the people who actually work in this market. We're onboarding a small group of developers, mortgage brokers, and lenders to work through early deals together — at no cost, no commitment.
If you want to run one of your active deals through it, I'd like to talk to you.
Reach out directly at padronreinaldo@gmail.com or schedule a 20-minute call. Bring a real deal — we'll run it live.
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