Aksel Does Mortgages

Agentic investor desk

Price the deal before the file gets boxed in.

This is the forward-looking DSCR workspace: cash-flow math, AI scenario coaching, document readiness, and a saved brief for Aksel. No SSN, no credit pull, no generic lead form.

What this beats

Not just a DSCR calculator. A file-readiness system.

Math

NOI, PITIA, DSCR, cash flow, LTV, and pressure points.

Agent

Explains the deal, not generic mortgage education.

Documents

Maps evidence and missing items before submission.

Moat

Designed to become the investor login dashboard.

Live deal desk

DSCR command center

Adjust the deal, attach the evidence, and ask the agent what breaks first. The math stays deterministic; the narrative helps Aksel review faster.

Needs a better structure

DSCR

0.91x

$3,365 NOI / $3,684 P&I

Cash flow

-$319

NOI after vacancy, management, taxes, insurance, HOA, and maintenance.

PITIA

$4,614

Principal, interest, taxes, insurance, and HOA.

Leverage

80.0% LTV

$540,000 loan / $675,000 value.

Agent readout

Start with the property and the friction. I will read the DSCR math, call out what might break, and turn this into a scenario brief for Aksel.

Document readiness

Attach what proves the deal.

This MVP keeps uploads local in the browser. The next secure version should route documents into the AI-MISMO intake pipeline with auth, storage, and audit logs.

Evidence on hand

No documents attached yet. Add filenames like lease, tax bill, insurance, payoff, or rent schedule to see the checklist update.

Still missing

Lease, rent schedule, or market rent support
Property tax bill or estimate
Insurance quote or current declaration page
Current mortgage statement or payoff if refinance

Login-only roadmap

This desk becomes the investor cockpit.

Portfolio watchlist

Track DSCR, rent, PITIA, insurance, tax, and cash-out opportunity across owned and target properties.

Document memory

Reuse leases, tax bills, entity docs, insurance, and payoff statements across refinances and acquisitions.

Scenario alerts

Notify investors when rate, rent, value, or LTV changes make a file worth revisiting.