REMillie
(https://www.remillie.com/)
REMillie is a purpose-built financial analysis platform for real estate professionals. It packs two institutional-quality engines under one roof: a Multifamily Credit Analyzer for loan underwriting and an Investment Underwriting Dashboard for acquisition analysis. Enter a deal once, and REmillie rates the credit risk, sizes the loan, models the returns, and produces a lender-ready PDF report – no spreadsheets, no manual modeling.
The Problem
Underwriting a single multifamily loan or rental acquisition means days of spreadsheet modeling: pro formas, sensitivity grids, credit scorecards, and report writing. The analysis is repetitive, error-prone, and inconsistent from one deal to the next – and smaller lenders and investors rarely have an analytics team to do it properly.
What It Does
Credit Analyzer
– 8-Factor Weighted Credit Scoring – LTV, DSCR, debt yield, sponsor experience, cost overrun, market vacancy, lease-up risk, and NOI growth, weighted into a single 0–10 score with a clear recommendation (Strong Approve → Decline).
– 3-Test Loan Sizing – Simultaneously applies DSCR, LTV, and debt yield constraints to determine the maximum supportable loan amount, plus a hard-floor rule that auto-declines risky deals.
– Full Pro Forma – 6-year construction and stabilization cash flows with amortization, refinancing, and yield maintenance prepayment modeling.
– 9×9 Sensitivity Grid – Rate and vacancy scenarios stress-test loan performance across market conditions, centered on the deal’s actual numbers.
– Credit Memorandum PDF – Executive summary, scorecard breakdown, pro forma tables, and sensitivity analysis, ready to share with a committee.
Investment Underwriting
– Full-Cycle IRR Analysis – Net cash flow modeling from acquisition through disposition, with hold-period scenarios and exit cap rate sensitivity.
– Waterfall Distribution Modeling – Tiered GP/LP promote structures with IRR hurdles, catch-up provisions, and lookback mechanics.
– 81-Scenario Sensitivity – Exit cap rate × hold period permutations across bull, base, and bear financing assumptions.
– Investment Verdict Report – Underwriting memorandum with INVEST / CONDITIONAL / DO NOT INVEST verdicts, returns analysis, and cash flow projections.
For both tools
– AI Document Extraction – Upload a rent roll or offering memorandum and AI extracts the key inputs into the model automatically.
– Deal Persistence & Recalculation – Every deal is saved to your account; tweak any assumption and re-run the full analysis in seconds.
– Professional PDF Reports – Institutional-quality memoranda generated on demand, branded and print-ready.
How It Works
- Create a deal – Enter the property, loan, and market assumptions manually or let AI extract them from an uploaded document.
- Run the analysis – The engine sizes the loan / models the returns and scores the deal instantly.
- Stress-test – Explore sensitivity grids and adjust assumptions live with instant recalculation.
- Decide – Read the verdict, score, and risk factors on the dashboard.
- Share – Download the professional PDF report for your committee or client.
Who It’s For
– Lenders & credit officers underwriting multifamily C-P loans who need consistent, defensible credit memos
– Real estate investors & syndicators evaluating acquisitions, returns, and GP/LP structures
– Brokers & analysts producing investor-grade analyses without a dedicated modeling team
Why Teams Choose It
Institutional-grade engines, not templates · Verdict + score on every deal in minutes · Committee-ready PDF reports · Sensitivity-tested recommendations · Secure authenticated platform with full data isolation
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