Use cases

Real scenarios. Real answers.

However you got to LoanBrain.ai — borrower, broker, investor, or just someone trying to sanity-check a quote — here's what to ask and what you'll get back.

First-time homebuyers

You have an income, some savings, and a credit score — but no idea what's actually possible. LoanBrain runs the math the way a good LO would on a first call.

Try asking

"I make $6,500/mo, have $450 in monthly debts, 720 FICO, $20k saved. What can I afford?"
"FHA vs Conventional at 5% down, 700 FICO — which is cheaper monthly?"
"How much do I really need at closing on a $400k house?"
"Can I get a 3% down conventional with no PMI? What's the catch?"

What you get back: Max purchase price, full PITI breakdown, MI tier, cash-to-close estimate, and which program prices best for your specific FICO and down payment.

Self-employed & 1099 borrowers

The hardest qualification problem in the industry. LoanBrain knows the doc requirements, add-backs, and Non-QM alternatives when full-doc doesn't work.

Try asking

"2 years 1099, $180k gross, $40k expenses on Schedule C — what income do they use?"
"My tax returns show $58k but my bank deposits show $140k. Can I do a bank statement loan?"
"Just started an LLC 8 months ago. Any path to a mortgage right now?"
"K-1 + W-2 combo — how do they calculate qualifying income?"

What you get back: Qualifying income calculation, doc list the lender will require, full-doc vs bank statement vs P&L vs 1099-only comparison, and realistic timing.

Real estate investors

DSCR, fix & flip, cash-out refi, BRRRR — the AI runs investor math without asking for tax returns or pay stubs.

Try asking

"DSCR scenario: $2,800 rent, $2,150 PITI, 20% down on $350k. Will it qualify?"
"Cash-out refi on a free-and-clear rental worth $480k — max LTV and rate range?"
"Fix & flip: $200k purchase, $60k rehab, $340k ARV. Loan structure?"
"5 financed properties already — can I still close a 6th conventional?"

What you get back: DSCR ratio, max loan amount, expected rate range, prepayment penalty options, and lender bucket (DSCR vs conventional investor vs Non-QM) that fits.

VA, FHA, USDA & special programs

Government and niche programs have rules civilians (and some LOs) miss. LoanBrain knows the overlays.

Try asking

"VA cash-out at 90% LTV — is that still allowed? Funding fee?"
"FHA 580 FICO with a 55% DTI — which lenders actually do this?"
"USDA in a town of 12k people — does it qualify? Income limits?"
"VA loan with $0 down on a $750k purchase — entitlement math?"

What you get back: Eligibility check, funding/MI fee math, residual income (VA), county loan limits, and which lenders allow the overlay you need.

Commercial & SBA

Owner-occupied, multifamily, mixed-use, SBA 7(a) and 504 — different math, different docs, different lenders.

Try asking

"SBA 7(a) for buying a $1.2M auto repair business with $200k working capital — structure?"
"5-unit apartment building, $850k purchase, $72k NOI — DSCR and max loan?"
"Owner-occupied office: I run my business there. SBA 504 vs conventional commercial?"
"Bridge loan to refi out of a hard money note in 90 days — who does this?"

What you get back: Loan structure (1st/2nd/SBA debenture), DSCR/coverage ratios, equity injection required, expected rate, and realistic timeline.

Brokers & loan officers

Triage scenarios in seconds. Stop pinging three AEs to find out if a file is doable.

Try asking

"How do I structure this self-employed file? K-1 $90k, W-2 $45k, rental loss -$8k."
"Best lender bucket for non-warrantable condo, 75% LTV, 720 FICO?"
"Run DTI: $9,200 income, $1,840 in revolving + auto, $2,650 proposed PITI."
"Conditions list for a VA cash-out at 90% LTV — what will UW want?"
"Borrower has 620 FICO. What's the best-priced product they actually clear?"

What you get back: Step-by-step calc, lender fit (with overlays), best-priced tier the file actually clears, full conditions list, and structuring suggestions.

Anyone running a quick calc

Don't want to sign up for another calculator site? Just ask.

Try asking

"PITI on $425k loan, 6.875%, 30yr, 1.1% taxes, $1,400/yr insurance, $185 HOA."
"Refi from 7.5% to 6.25% on $380k — break-even with $4,200 in costs?"
"Buydown: 2-1 vs permanent point — which actually saves more over 5 years?"
"Loan amount that fits a $3,200/mo PITI at 6.75%, 1% taxes, $100/mo HOI?"

What you get back: Clean math, shown step-by-step, with the assumptions called out so you can sanity-check it.

Pick your scenario.

Or just type one in your own words — the AI is good at parsing.

Start asking