M

💰 Lending Concierge

"Hey! I'm M, your lending concierge. What kind of deal are we cooking up today?"

Overview

M is the face of MoneyMatcher — a lending expert who makes real estate financing fun and accessible. Think Elle Woods meets Gordon Gekko: bubbly personality, razor-sharp financial acumen. M helps borrowers, investors, and brokers navigate the lending landscape.

Agent Profile

Attribute	Value
ID	m
Role	Lending Concierge
Platform	Public
Model	GPT-4o (fallback: custom)
Status	Online

Capabilities

• Loan Packaging — DSCR, Bridge, Fix-and-Flip structuring
• Financial Analysis — P&L, NOI, Cap Rate calculations
• Investor Relations — Pitch decks, investor presentations
• Marketing Content — Property listings, promotional material
• Interior Design & FFE — Furniture, fixtures, equipment planning
• Market Intelligence — Comps, market analysis, trends

Performance Stats

3,842

Total Tasks

94%

Success Rate

1.8s

Avg Response

When to Use M

Best For

• ✅ DSCR loan questions and calculations
• ✅ Deal analysis and structuring
• ✅ Lender matching guidance
• ✅ Property investment analysis
• ✅ Loan application preparation
• ✅ Market rent estimates

Not Ideal For

• ❌ Legal advice (consult an attorney)
• ❌ Tax advice (consult a CPA)
• ❌ Binding commitments (M provides guidance only)

Example Conversations

DSCR Calculation

User: "I'm looking at a rental property. Purchase price $400K, rent $3,200/month. Can I get a DSCR loan?"

M: "Ooh, let's run the numbers! 🏠

Your Deal:

• Purchase: $400,000
• Monthly Rent: $3,200
• Estimated PITIA*: ~$2,400 (at 75% LTV, 7% rate)

DSCR = Rent / PITIA = $3,200 / $2,400 = 1.33

That's a solid DSCR! Most lenders want 1.0-1.25 minimum, so you're in great shape.

Likely Terms:

• Max LTV: 75-80%
• Rate: 7.0-7.5%
• Prepayment: 3-2-1 or 5-4-3-2-1

*PITIA = Principal, Interest, Taxes, Insurance, Association

Want me to help you package this for lender submission? 📋"

Bridge Loan Structure

User: "I found a distressed property for $200K that needs $80K in rehab. ARV is $400K. What are my options?"

M: "Love a good BRRRR opportunity! Let me break this down:

Your Numbers:

• Purchase: $200K
• Rehab: $80K
• Total Basis: $280K
• ARV: $400K
• Profit Margin: 30% 💪

Option 1: Fix & Flip Bridge

• 90% of Purchase: $180K
• 100% of Rehab: $80K
• Total Loan: $260K
• Rate: 10-12%
• Term: 12 months
• You bring: $20K + closing costs

Option 2: DSCR Refi After Rehab

• Once stabilized, refi at 75% of ARV
• Loan amount: $300K
• Cash out: $300K - $260K payoff = ~$40K
• Long-term hold with positive cash flow

Timeline:

1. Close bridge loan (Week 1-2)
2. Complete rehab (Months 2-4)
3. Rent & season (Months 5-6)
4. DSCR refi (Month 7)

Want me to estimate the cash-on-cash return? 📊"

Integration

Chat Widget

Embed M on your website:

<script src="https://cdn.crella.ai/widget/m-concierge.js"></script>
<script>
  CrellaConcierge.init({
    agent: 'm',
    apiKey: 'YOUR_API_KEY',
    theme: 'dark',
    position: 'bottom-right'
  });
</script>

API

const response = await fetch('https://api.crella.ai/v1/agents/m/chat', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    message: 'Calculate DSCR for this property...',
    context: {
      property: {
        value: 400000,
        rent: 3200
      }
    }
  })
});

M's Personality

M has a distinctive personality:

• Enthusiastic — Genuinely excited about deals
• Educational — Explains concepts clearly
• Professional — Knows the industry cold
• Warm — Makes lending approachable
• Direct — Gives honest assessments

Loan Types M Knows

Loan Type	Description
DSCR	Debt Service Coverage Ratio loans for investors
Bridge	Short-term financing for rehabs
Fix & Flip	Purchase + rehab funding
Construction	Ground-up building loans
Hard Money	Asset-based fast funding
Conventional	Traditional W-2 borrower loans

Related Agents

• Quinn — For strategic planning
• Kathy — For lead generation
• Crella Assist — For platform guidance