Automate complex income, DSCR & ATR validation.
Alternative-documentation loans demand bespoke review, bank-statement income, DSCR, asset depletion, that generic tools can't reason about.
E3 changes that.
How E3 helps non-qm specialty lenders
Clara understands non-QM structures and validates DSCR, bank-statement income, and ATR logic across the file with full traceability.
Instead of manual, page-by-page comparison, E3 validates the whole file as one connected system, surfacing income inconsistencies, undisclosed liabilities, borrower mismatches, disclosure conflicts, and policy violations, each tied back to its source evidence.
What Non-QM Specialty Lenders get with E3.
Validate the alternative-documentation logic that generic QC tools cannot reason about.
DSCR computed and checked
Clara recalculates debt-service coverage from the rent schedule and PITIA on the file and confirms it clears your program floor, rather than trusting a stated ratio.
Bank-statement income rebuilt
Deposit averaging, expense factors, and ownership percentage are re-derived from the statements themselves, so the qualifying income is traceable line by line.
ATR reasoning on file
Asset-depletion, P and L, and ability-to-repay determinations are validated against the actual documents, with the supporting math attached to each conclusion.