Autoquoting connects a lender's existing DSCR calculator to Finance Lobby. When a deal matches their criteria, the platform sends the details to the calculator, pulls the quote back, and posts it under the lender's name. The lender's pricing logic stays unchanged. They only step in when a broker moves on a quote.
That is the whole feature. The rest of this article is what it means in practice.
What Autoquoting actually does
Autoquoting turns a lender's own pricing logic into something that runs without them present.
Setup connects your logic to the platform in one of four ways: point us at the URL of the pricing calculator your team already uses, upload a spreadsheet that already prices deals in formulas, upload your lending policy document, or build the rules by hand if you have no document. Whichever route you take, the result is the same: a named pricing profile that holds your criteria.
That profile carries the parameters you would apply yourself. Property types. Loan types. Minimum and maximum loan amount. Maximum LTV. Minimum DSCR.
From then on, a deal that falls inside all of those criteria gets priced through your logic and posted as your quote. A deal that falls outside them never reaches you at all.
Why speed decides DSCR deals
There is a reason this matters more on DSCR than on anything else you write.
DSCR loans on stabilized rental property are close to a commodity. The asset is understood, the underwriting is formulaic, and the pricing across active lenders clusters tightly. When five lenders would land within a narrow band of each other, the borrower is not running a procurement exercise. They are taking a credible quote and moving.
So the deal does not go to the sharpest pricing. It goes to whoever answered.
That is a structural disadvantage for any lender whose quoting capacity is a person's calendar. Your box is not the constraint. Your attention is. A deal that fits you perfectly and arrives at 3am gets quoted by whoever had criteria sitting in the flow.
The market context makes this sharper rather than softer. Commercial mortgage spreads compressed to 204 basis points in Q2 2026, and multifamily to 162 basis points, both tighter year over year (CBRE, Q2 2026). Lenders are competing on price in a narrowing band. When the price advantage available to you shrinks, the timing advantage is worth more.
Manual quoting vs Autoquoting
| Manual quoting | Autoquoting | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| When a matching deal arrives | Waits for someone to see it | Priced through your calculator | |||||||||
| Who applies the pricing logic | A person, one deal at a time | Your calculator, every time | |||||||||
| Deals outside your criteria | You review and discard them | They never reach you | |||||||||
| Quote goes out | When you are at the desk | Whenever the deal lands | |||||||||
| Your involvement | Every deal, from first look | When a broker moves on a quote | |||||||||
| Consistency across deals | Depends on who priced it | The same logic, every deal |
The second column is not a faster version of the first. It is a different division of labour. In the first column, a person makes a pricing decision on every deal. In the second, the pricing decision was made once, when you set the criteria, and the platform executes it.
Your logic does not change
This is the objection worth answering directly, because it is the one that stops lenders from switching it on.
Autoquoting does not price your deals. Your calculator prices your deals. The platform sends the deal details in and reads the quote back out. Whatever rate sheet, adjustment stack, floor or spread logic your credit team maintains is the logic that runs. If you change something in the calculator, the next quote reflects it, because we are calling the calculator and not a copy of it.
You keep the parts you would not delegate. The criteria are yours and you set them. The profile can be edited, versioned or switched off. Before anything goes live you can run the connection against a sample deal, and a simulator lets you price a hypothetical deal to see exactly what a borrower would see. Every quote that goes out is recorded in an activity log with the reason it matched, exportable to CSV.
Nothing about this asks you to accept pricing you did not author. It asks you to stop being the bottleneck between your own pricing and a deal that fits it.
What setup involves
The work is connecting your logic once, not maintaining it.
You choose a setup route, name the profile, set the criteria, and map the deal fields to whatever your calculator calls its inputs. Then you test the connection with a sample deal to confirm the quote comes back the way you expect. When it does, you turn the profile on.
After that, the ongoing work is review, not production. Deals that match get quoted. You look at the activity log when you want to see what went out, and you adjust criteria when your appetite changes.
Which lenders this fits
Autoquoting is built for approved lenders whose loan programs include DSCR.
It fits you well if DSCR is a real line of business rather than an occasional accommodation, if your pricing already lives in a calculator or a spreadsheet model your team trusts, and if you have lost deals to timing rather than to terms. It fits especially well if your quoting capacity is concentrated in one or two people, because that is where the calendar constraint bites hardest.
It fits poorly if your DSCR pricing is genuinely bespoke on every deal, decided in a credit conversation rather than by a repeatable model. If there is no logic to connect, there is nothing to automate, and you should keep quoting by hand.
Phase 1 is built for DSCR lenders first. If DSCR is not in your loan programs today, the feature will not apply to your deals yet.
FAQ
Does Autoquoting change my pricing?
No. Autoquoting calls your existing DSCR calculator rather than replacing it. The platform sends the deal details to your calculator and reads the quote back, so whatever rate sheet, spread and adjustment logic your credit team maintains is the logic that produces the quote. Update the calculator and the next quote reflects the change.
What if a deal is outside my box?
It never reaches you. Autoquoting only prices deals that fall inside all of your stated criteria: property type, loan type, minimum and maximum loan amount, maximum LTV and minimum DSCR. Deals outside those parameters are not quoted and do not land in your queue.
Can I review a quote before it posts?
You can validate the setup before anything goes live. Testing the connection runs a sample deal through your calculator so you can confirm the output, and the simulator prices a hypothetical deal so you see exactly what a borrower would see. Once a profile is active, matching deals are priced and posted automatically, and every quote is recorded in the activity log with the reason it matched.
What if my criteria change?
Edit the pricing profile. Criteria are yours to change at any time, profiles are versioned so you can see what changed, and any profile can be switched off. Because the platform calls your calculator rather than storing a copy of your pricing, changes made in the calculator itself take effect on the next matching deal.
How long does setup take?
Setup is a single session: choose how to connect your logic, name the profile, set your criteria, map the deal fields to your calculator's input names, and test the connection with a sample deal. There is no ongoing configuration. Once the profile is on, the work shifts from producing quotes to reviewing them.
Is it only for DSCR?
Today, yes. Autoquoting is available to approved lenders whose loan programs include DSCR, and it was built for DSCR deals first because they are the most formulaic product on the platform and therefore the most decided by speed.