# XLoans AI Rate Engine (xloans.ai)

> xloans.ai (https://xloans.ai) is operated by XLoans AI Rate Engine as a B2B mortgage and real estate AI software platform (not a licensed mortgage lender or broker).

## Key Pages & Calculators
- [Home & Above-the-Fold Calculator](https://xloans.ai/): XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals (Price My Complex Scenario)
- [Interactive DSCR & Cash-Flow Workbench](https://xloans.ai/calculator): Real-time DSCR (Gross Rent ÷ PITIA), LTV, and prepayment penalty calculator
- [Full RAG Knowledge Corpus (/llms-full.txt)](https://xloans.ai/llms-full.txt): Complete underwriting tables, county rent/FMR benchmarks, and FAQs
- [A2A v1.0 Agent Card](https://xloans.ai/.well-known/agent-card.json): Agent-to-Agent v1.0 discovery card
- [MCP Server Card](https://xloans.ai/.well-known/mcp/server-card.json): Model Context Protocol server card (SEP-1649)
- [Agent DSCR Calculation API](https://xloans.ai/api/agent/dscr-calculator?monthlyRent=3200&loanAmount=350000&annualTaxes=4200&annualInsurance=1800): Deterministic GET/POST JSON DSCR & PITIA calculator
- [Scenario Lead Intake API](https://xloans.ai/api/lead): POST JSON lead router with source_domain="xloans.ai" attribution to loandaddy-production (nikdeasddmisxcaxuwbp)
- [OpenAPI 3.1 Specification](https://xloans.ai/openapi.json): Machine-readable OpenAPI 3.1 contract

## Frequently Asked Questions
### How does Next-Gen Non-QM, Sub-1.00x DSCR, Foreign National & Complex Entity Loans work for real estate investors and originators?
XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals provides B2B software technology, automated qualification calculators, and API/MCP workflows for mortgage and real estate teams.

### Is this platform a B2B software provider or a direct mortgage lender?
XLoans AI Rate Engine is a B2B software and technology provider, not a licensed mortgage lender or broker.

### Do you support DSCR, Non-QM, and private money loan scenario modeling?
Yes. Our calculators and API endpoints model DSCR rental coverage, fix-and-flip bridge LTC/ARV ratios, and Non-QM bank-statement cash flow in real time.

### Can AI agents and MCP clients query this domain programmatically?
Yes. xloans.ai publishes /llms.txt, /llms-full.txt, /.well-known/agent-card.json (A2A v1.0), and WebMCP browser tools for deterministic scenario analysis.

## Licensing & Compliance
© 2026 Sovereign AI Software Suite (BrandDaddy LLC / LeadDaddy / LoanGenius / PhoneDaddy / Codexel). B2B Software-as-a-Service Platform. Not a mortgage lender, law firm, or financial institution.
- **Above-the-Fold Disclaimer:** xloans.ai — XLoans AI Rate Engine (Conversational AI Instant Rate & Scenario Calculator -> Routes to LoanDaddy.ai or GoBuyLeads.com)
- **Legal Entity:** XLoans AI Rate Engine
- **Portfolio Group / TLD Persona:** Group 6. Standalone SaaS Platforms, AI Marketplaces & Bot Fleet (38)
- **Lead Routing Cluster:** loandaddy-production (nikdeasddmisxcaxuwbp)
- **Last Editorial Verification:** 2026-10-21

## Optional
- [XML Sitemap](https://xloans.ai/sitemap.xml): Canonical URL index