C.X.R brand mark
ENTER
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AURUM AI CONTROL CENTER

Overview Dashboard · Housing Equity Transition & Financial Intelligence

"We don't just build houses. We build pathways to ownership."

Hybrid ASI · Housing Finance Layer

Aurum is an AI-powered lease-to-own infrastructure layer that standardizes housing contracts, tracks equity accumulation in real time, and produces bank-ready mortgage profiles — reducing landlord vacancy and tenant default risk while raising mortgage conversion rates. Eleven coordinated modules run continuously: EPE, DSB, RBE, LOL, BUI, CEE, MIL, TCE, UPD, NOL — orchestrated by the Aurum Core.

Active Deals
1,248
+12.5% vs last 30 days
Total Portfolio Value
$482.7M
+8.3% vs last 30 days
Tenants in Progression
2,347
+15.7% vs last 30 days
Avg. Mortgage Readiness
68%
+6.2% vs last 30 days
Ecosystem Status
All Systems Operational
Bank Partners
18
Active Lenders
EQUITY GROWTH OVER TIME
Portfolio Equity Accumulation
All Properties ▾
Total Equity$41.7M+14.3% this month
DEAL FLOW PIPELINE
Current Deal Stages
New Leads
328
Pre-Screening
246
Structuring
185
Contract Sent
102
Active
1,248
Threshold Met
78
Converting / Buyout
25
MORTGAGE READINESS SCORE
Portfolio Overview
68%AVERAGE SCORE
+6.2% vs last 30 days
842
High Readiness
1,237
Medium
268
Low
AI MODULES STATUS
Equity Path Engine
Active
Calculating equity progressions
Deal Structure Builder
Active
Building optimized deal structures
Risk Balance Engine
Active
Assessing risk & stability
Landlord Optimization
Active
Maximizing landlord stability
Bank Interface
Active
Preparing bank-ready files
Contract Execution
Active
Managing lifecycle & milestones
Market Intelligence
Active
Monitoring market conditions
Compliance Engine
Active
Ensuring legal compliance
LIVE PROPERTY SCANNER · LDB 5G/6G LATTICE
Keyless ingest · Zillow · Realtor · Redfin · public records · owner intel
Scanner Online

US Housing Market — Live Aggregates

Realtor.com Residential Listings · HUD open data · all 50 states + DC + Puerto Rico

Median Price
$427K
Active
989,250
New / mo
315,090
Avg DOM
62d
Loading geography…
Puerto Rico
Median price:<$275K$275–350K$350–450K$450–600K>$600K
CA
California
+4.1% YoY
Median list
$769K
Active
64,500
New / mo
21,800
Days on mkt
53d
Aurum flags this market for stabilized cash-flow deals — balanced supply.
Top YoY Gainers
Top YoY Decliners

OWNERSHIP TIMELINE · TIME-TO-MORTGAGE-READY

Deterministic engine · role-gated readout

Time-to-Mortgage-Ready
—
Final Ownership %
14.6%
Readiness Score
73/100
Buyout Price
$458K
L
E
M
B
L Lease + Pre-screenE Equity AccrualM Mortgage-ReadyB Buyout / Title

Portfolio default: —y to ready · 14.6% equity at term

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EQUITY PATH EXECUTION LAB

Deterministic engine · architectural intelligence · zero AI tokens

VIEW AS
DEAL INPUT WIZARD
ADMIN INTAKE
1
Property
2
Tenant
3
Program
4
Review
1 / 4
OWNERSHIP TIMELINE · TIME-TO-MORTGAGE-READY
NOT READY IN HORIZON
Scrub year:
Equity Y7
$52,668
Combined Down
$66,689
Buyout Price
$457,644
Loan @ LTV
$366,115
Ownership
14.6%
Credit Proj
786
Readiness
73/100
Status
ACCRUING
engine · 22% rent → equity · 2.5%/yr appreciation cap · +12 credit pts/yr · deterministic
COMPLIANCE · TX LEGAL RISK
BLOCKED · 35/100
  • BLOCKSTATE-TERM-CAP· TX
    Buyout horizon exceeds TX statutory option cap (3y)
    Selected 7y exceeds 3y. Restructure as installment contract or shorten term.
    cite · Tex. Prop. Code §5.061-5.085 executory contract rules
  • WARNEQUITY-FORFEIT-BAN· TX
    TX forbids forfeiture of accumulated equity credit on default
    Contract must include 45-day cure window + pro-rata equity refund on termination.
    cite · Tex. Prop. Code §5.061-5.085 executory contract rules
  • INFORECORDING-REQ· TX
    TX requires recording of executory contract within 30 days
    Aurum will auto-file with county recorder via UPD module post-signing.
    cite · Tex. Prop. Code §5.061-5.085 executory contract rules
BANK PACKET · UNDERWRITING EXPORT
AUR-DEAL-95038
StateTX
Buyout Price (Y7)$457,644
Down Payment$66,689
Mortgage Requested$366,115
Projected FICO786
ComplianceBLOCKED · 35/100
  • · 1003 borrower profile (Year-0 → Year-7 projection)
  • · Equity ledger CSV (UPD-anchored monthly)
  • · Lease-option contract + state addendum (TX)
  • · Income, DTI, and credit improvement attestation
  • · Property appraisal lock @ 2.5%/yr
  • · Compliance findings (auto-attached)

SCENARIO HISTORY · SIDE-BY-SIDE COMPARE

Stored locally · save scenarios from the Equity Path Lab · compare up to 4

0 saved · 0 compared
No saved scenarios yet — click “SAVE SCENARIO” in the Equity Path Lab to start.
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AUTO LEASE DEAL · LANDLORD ↔ TENANT MATCH

LOL · TCE · CEE · UPD — auto-matched to a prescreened lease-to-own candidate

1
Intake·
2
Match·
3
Review·
4
Sign·
5
Live
LANDLORD ENROLLMENT
PRESCREENED TENANT MATCH

Pool: 4 cleared candidates
credit · income · DTI · employment · savings

DEAL STRUCTURE · BANK-READY
Landlord Monthly$2,223
Tenant Equity Credit / mo$627
Equity Accrued · 7y$52,668
Locked Buyout Price$452,375
Required Mortgage (80% LTV)$308,000
Mortgage Readiness @ Buyout68%
Aurum Auto-Clauses
  • · 22% rent → equity ledger (UPD-anchored)
  • · Appreciation cap 2.5%/yr (buyout protection)
  • · On-time pay → +5 credit pts/mo via NOL
  • · Default cure window 45d · vacancy backstop
  • · Bank-export mortgage profile @ year 7
RECENT ACTIVITY
  • Deal #AUR-2487 reached threshold2 min ago
  • New tenant approved for property15 min ago
  • Bank file generated for Deal #AUR-21541 hr ago
  • Contract signed for Deal #AUR-18992 hrs ago
  • Equity milestone reached by tenant3 hrs ago
TOP PERFORMING PROPERTIES
By Equity Growth
PropertyLocationEquityTenantsStatus
Emerald HeightsAtlanta, GA$2.43M24ACTIVE
Lakeside VillasOrlando, FL$1.98M18ACTIVE
Prime EstatesDallas, TX$1.76M22ACTIVE
Crescent HomesCharlotte, NC$1.49M19ACTIVE
Summit ResidencesPhoenix, AZ$1.32M16ACTIVE
BANK PARTNER PERFORMANCE
Approval Rate Overview
  • Aurum Federal Bank81%
  • Unity Lending Group76%
  • Pinnacle Home Loans72%
  • First Community Bank69%
  • Heritage Mortgage66%
SYSTEM HEALTH
Infrastructure Overview
  • AI ModelsOptimal
  • DatabaseOptimal
  • IntegrationsOptimal
  • SecurityOptimal
  • PerformanceOptimal
Last Check: 1 min ago
€.Ж.ЯЖAVANIAC.X.R · DCSI HYBRID ASI ECOSYSTEM0% · Mounting interface