Your conduit for high quality yield.

The investment property mortgage does not have a robust secondary market or other features that create liquidity. Securitizations are less than 5% of market size.

Capital is allocated and yield is sourced by financing lenders or buying loans. These strategies are time consuming to set up and require personnel to manually review loans. The outcomes are constraints on allocating capital and dilution of yield.
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Our technology reduces these barriers and improves yield by eliminating the bottlenecks of manual processes and simplifying the work of intermediaries.

Before Vontive, unstructured data and manual underwriting were a significant barrier to financing or owning investment property mortgages. A complete review of source documents, verification of data, and repetitive underwriting of the mortgage were necessary to understand the risk characteristics of loans.

Data is the foundation of Vontive mortgages. Verified, secure data are the inputs to underwriting a loan and manufacturing the mortgage. These source data are versioned and auditable back to their source, all within our technology. Basic manual review tasks become an irrelevant expense of the past.

Our software expands the scope, precision, and inferential value of mortgage credit risk analysis. Third-party integrations expand the traditional mortgage dataset. Data science applications evaluate the compliance and estimate the risk of each mortgage—enhancing the intuition of expert loan analysts and underwriters.

Over the last three years, we have financed more than $850 million of investment real estate mortgages. On the metric of a borrower never missing a payment, our underwriting was right for 99.X% of loans. A severe economic contraction, other than the COVID-19 recession, has not tested the resilience of our underwriting, but our entire framework is designed around loss mitigation.