{
  "selectedLender": "Freddie Mac",
  "selectedLenderFull": "Freddie Mac (AGENCY)",
  "loanAmount": 24000000,
  "ltv": 0.75,
  "rate": 0.061,
  "rateType": "Fixed",
  "term": 10,
  "amortization": 30,
  "interestOnlyMonths": 24,
  "annualDebtServiceIO": 1464000,
  "annualDebtServiceAmort": 1745265,
  "dscrIO": 1.153,
  "dscrAmort": 0.967,
  "dscrCovenant": 1.2,
  "prepayment": "Yield maintenance",
  "recourse": "Non-recourse",
  "reserves": {
    "taxMonthly": 44575,
    "insuranceMonthly": 11503,
    "capexMonthly": 40000,
    "renovationEscrow": 700000
  },
  "lenderComparison": [
    {
      "rank": 1,
      "lender": "Freddie Mac",
      "category": "agency",
      "ltv": "73.8%",
      "ltvValue": 0.7346,
      "rate": "5.93%",
      "rateValue": 0.06082,
      "term": "10y",
      "io": "24m",
      "dscrIO": "1.23x",
      "dscrIOValue": 1.193,
      "status": "SELECTED"
    },
    {
      "rank": 2,
      "lender": "Fannie Mae",
      "category": "agency",
      "ltv": "72.4%",
      "ltvValue": 0.7523,
      "rate": "6.105%",
      "rateValue": 0.06094,
      "term": "10y",
      "io": "18m",
      "dscrIO": "1.22x",
      "dscrIOValue": 1.128,
      "status": "REVIEWED"
    },
    {
      "rank": 3,
      "lender": "Regional Bank Group",
      "category": "bank",
      "ltv": "73.7%",
      "ltvValue": 0.7332,
      "rate": "6.27%",
      "rateValue": 0.06291,
      "term": "10y",
      "io": "12m",
      "dscrIO": "1.2x",
      "dscrIOValue": 1.206,
      "status": "REVIEWED"
    },
    {
      "rank": 4,
      "lender": "Harbor CMBS",
      "category": "cmbs",
      "ltv": "74.1%",
      "ltvValue": 0.7287,
      "rate": "6.326%",
      "rateValue": 0.06345,
      "term": "10y",
      "io": "0m",
      "dscrIO": "1.2x",
      "dscrIOValue": 1.142,
      "status": "REVIEWED"
    },
    {
      "rank": 5,
      "lender": "Bridgeline Capital",
      "category": "bridge",
      "ltv": "76.7%",
      "ltvValue": 0.7226,
      "rate": "6.86%",
      "rateValue": 0.07012,
      "term": "10y",
      "io": "36m",
      "dscrIO": "1.15x",
      "dscrIOValue": 1.086,
      "status": "DISQUALIFIED"
    }
  ],
  "quotesReceived": 5,
  "bestQuote": {
    "lenderName": "Freddie Mac",
    "category": "agency",
    "interestRate": 0.06082,
    "ltv": 0.7346,
    "loanAmount": 23507200,
    "dscr": 1.193
  },
  "riskScore": 81,
  "redFlagCount": 1,
  "dataGapCount": 1,
  "redFlags": [
    {
      "id": "fin-dscr",
      "severity": "HIGH",
      "category": "FINANCING",
      "message": "Amortizing DSCR 0.97x is tight",
      "impact": "Could reduce certainty of execution",
      "owner": "quote-comparator",
      "status": "OPEN",
      "createdAt": "2026-05-19T20:23:14.131Z"
    }
  ],
  "dataGaps": [
    {
      "id": "fin-docs",
      "severity": "MEDIUM",
      "category": "DATA_GAP",
      "message": "Final third-party report requested by lead lender",
      "impact": "Could reduce confidence in recommendation",
      "owner": "lender-outreach",
      "status": "OPEN",
      "createdAt": "2026-05-19T20:23:14.131Z"
    }
  ],
  "agentFindings": {
    "lender-outreach": {
      "status": "COMPLETE",
      "finding": "Collected 5 lender indications."
    },
    "quote-comparator": {
      "status": "COMPLETE",
      "finding": "Selected Freddie Mac based on weighted ranking."
    },
    "term-sheet-builder": {
      "status": "COMPLETE",
      "finding": "Term sheet generated with covenant and timeline package."
    }
  }
}
