Module · Document AI · Production mockup

See exactly what Bot2Do's Document AI will do for Bravo.

Every document a borrower uploads is parsed, validated, cross-referenced and posted directly into the underwriting file. This is the module that removes the 14-21 day doc-gathering bottleneck — because borrowers don't stall on docs once they stop feeling like homework.

96%
avg extraction acc
18+
CRE doc types supported
< 9s
per document (avg)
90%
fewer back-and-forth emails
100%
audit-logged under GLBA
Rent Roll 99%
Operating Statement (P&L) 98%
Form 1120 Tax Return 95%
Bank Statement 96%
Appraisal Report 94%
Insurance Binder 99%

Original borrower upload · Rent Roll Q1 2026

AS UPLOADED
Rent Roll — Q1 2026
Meridian Ridge Apartments · 4821 Brookshire Dr, Plainfield IL 60586
Managed by Harbor Property Management LLC

Summary

Property nameMeridian Ridge Apartments
Address4821 Brookshire Dr, Plainfield IL 60586
Year built2008 (renovated 2021)
Total units128
Total rentable sq ft112,448
Reporting period01/01/2026 – 03/31/2026

Unit mix (summary)

TypeUnitsAvg sqftAvg rentMonthly GRI
Studio8540$1,195$ 9,560
1 BR / 1 BA46712$1,425$ 65,550
2 BR / 1 BA38924$1,685$ 64,030
2 BR / 2 BA281,042$1,795$ 50,260
3 BR / 2 BA81,340$2,145$ 17,160
TOTAL128——$ 206,560

Financial summary

Gross Potential Rent (GPR) — monthly$ 80,420
Occupancy (physical)95.3%
Vacancy & collection loss$ 3,420
Actual rent collected — monthly$ 77,000
Other income (parking, laundry, late fees)$ 3,465
Effective gross income — monthly$ 80,465
Annualized EGI$ 965,580
Harbor Property Management LLC · License #PM-2019-IL-8847 · Prepared 04/18/2026 · Page 1 of 4

Bot2Do AI extraction · posted to underwriting file

AI · 9.2s
Extraction metadata
Document IDRR-BR2419-2026Q1
Pages processed4 / 4
Processing time9.21 s
Modelbot2do-cre-ocr-v3.2
Avg confidence99.1%
EncryptionAES-256 at rest · TLS 1.3
Structured output (auto-posted to file)
Property nameMeridian Ridge Apartments 99%
Total units128 99%
Occupied122 (95.3%) 99%
GPR (annualized)$ 965,040 99%
Collection loss (T3 avg)$ 41,040 98%
Other income (annualized)$ 41,580 97%
Effective gross income$ 965,580 99%
Weighted avg rent / sqft$ 1.74 computed
Unit mix (5 types)serialized JSON ↓
// structured output (excerpt) { "document_type": "rent_roll", "period": "2026-Q1", "property": { "name": "Meridian Ridge Apartments", "units_total": 128, "units_occupied": 122, "occupancy_physical": 0.953 }, "income_monthly": { "gpr": 80420, "rent_collected": 77000, "other_income": 3465, "egi": 80465 }, "unit_mix": [ { "type": "studio", "units": 8, "avg_rent": 1195 }, { "type": "1br1ba", "units": 46, "avg_rent": 1425 }, /* …3 more unit types… */ ], "cross_refs": { "noi_matches_2024_pl": true, "bank_deposits_match_t3": true, "tax_return_delta_pct": 0.035 }, "extraction_meta": { "confidence_avg": 0.991, "model": "bot2do-cre-ocr-v3.2", "processing_time_sec": 9.21, "audit_hash": "0x7f2a...c91e" } }
⚡ Next-step automation

NOI, GRI, unit mix and occupancy were auto-posted to the underwriting file. The risk engine kicked off stress-testing at 10:18 UTC. No Bravo analyst touched this document.

Original upload · Bank Statement (Chase, March 2026)

AS UPLOADED
CHASE for Business Statement · 03/01/26 – 03/31/26
ACCOUNT HOLDER
Naperville Capital LLC
dba Meridian Ridge Apartments
ACCOUNT NUMBER
**** **** **** 4719
Business Operating Checking

Account Summary

Beginning balance (03/01/26)$ 187,420.18
Deposits / credits (12 items)$ 82,145.00
Withdrawals / debits (24 items)−$ 61,840.22
Ending balance (03/31/26)$ 207,724.96

Transactions — summary (top categories)

DateDescriptionAmountBalance
03/01ACH CREDIT · TENANT RENT (84 items, batch)+ $69,120.00256,540.18
03/03ACH CREDIT · TENANT RENT (38 items)+ $7,880.00264,420.18
03/05DEBIT · HARBOR PROPERTY MGMT FEE− $4,200.00260,220.18
03/10DEBIT · FIFTH THIRD MORTGAGE PMT− $38,462.00221,758.18
03/15DEBIT · COMED UTILITY− $3,840.00217,918.18
03/16DEBIT · REPAIRS · ANDERSON PLMB− $1,250.00216,668.18
03/20DEBIT · PROPERTY TAX ESCROW− $6,245.00210,423.18
03/24DEBIT · LIBERTY INSURANCE− $2,420.22208,002.96
03/29CREDIT · LATE FEE ACH BATCH+ $1,145.00209,147.96
03/30DEBIT · LANDSCAPE CONTRACT− $1,423.00207,724.96
…26 additional transactions omitted
JPMorgan Chase Bank, N.A. · Member FDIC · Equal Opportunity Lender · Page 1 of 6

Bot2Do AI extraction + Plaid cross-verified

AI · 6.4s
Transaction categorization (auto)
Tenant rent collections$ 77,000.00 ✓
Other income (fees, etc.)$ 5,145.00
Property management$ 4,200.00
Debt service (principal + int)$ 38,462.00
Utilities$ 3,840.00
Repairs & maintenance$ 2,673.00
Insurance$ 2,420.22
Property taxes (escrow)$ 6,245.00
Landscape & grounds$ 1,423.00
Uncategorized (AI flagged)$ 2,577.00 ⚠
Cross-verification
Plaid live-link match✓ 100%
Rent collections = rent roll✓ $77K
Operating exp = P&L (T3 avg)✓ 99.2%
Mortgage pmt = Fifth Third✓
Synthetic/altered pagesNone
Average daily balance$ 198,340
Min balance (90-day)$ 154,220
DSCR indicator (T3 cash)1.44 ✓
✓ Fraud / authenticity checks
Digital signature (PDF)Valid
Metadata consistency✓ Pass
Font & layout check✓ Pass
Known fraud patternsNone detected
OFAC on beneficial ownersClear · 3 of 3

Every document follows this six-stage pipeline

1 · Ingest

Upload / email / mobile photo. Encrypted at rest (AES-256). Virus scan.

~0.2 s

2 · Classify

18 CRE doc types recognized automatically (rent roll, P&L, 1120, K-1, bank stmt…)

~0.4 s

3 · Extract

OCR + layout ML · tables, fields, amounts, dates. Handwriting too.

~4–8 s

4 · Validate

Cross-reference against other docs, Plaid, IRS, public records. Flag deltas.

~1 s

5 · HITL

Low-confidence fields routed to Tom. Most deals → zero human review.

optional

6 · Post

Structured JSON auto-posted to underwriting file + audit log (GLBA).

~0.1 s
Rent rolls
All property mgmt formats · Yardi, RealPage, AppFolio exports · handwritten
✓ 99% accuracy
Operating statements
T12 · T3 · trailing / budget · P&L · NOI calcs
✓ 98% accuracy
Tax returns
Form 1040 · 1120 · 1065 · K-1 · Schedule E / C
✓ 95% accuracy
Bank statements
Chase, BoA, Wells, Citi, regional banks · 12-mo categorization
✓ 96% accuracy
Appraisal reports
Income approach · sales comp · cap rate extraction · 80-200 pp
✓ 94% accuracy
Insurance binders
Property · liability · flood · business interruption
✓ 99% accuracy
Entity & legal
LLC op agreements · articles · EIN · authority · cert. of good standing
✓ 96% accuracy
Title & closing
Title commitments · settlement stmts · deeds · payoff letters
✓ 98% accuracy
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