Lending Partners

Loan Originators

ML Systems works with loan officers, banks, and credit unions who originate construction and renovation loans. Our RCM structure means 100% of payment goes to principal — your borrowers build equity faster, and your portfolio performs better.

Why Originate With ML Systems

RCM Structure

Reverse Construction Mortgage — 100% of borrower payment goes to principal. Interest is deferred as a separate liability. Borrowers build equity from day one.

100% to principal

Equity Curve Access

Real-time equity tracking via the ML Systems platform. Property value minus principal balance plus material recovery value. Transparent to borrower and lender.

Live dashboards

Borrower Pipeline

ML Systems homeowners enter through mlsystemsri.com. Qualified borrowers are matched to origination partners based on loan type, geography, and capacity.

Pre-qualified leads

Construction Draw Integration

13-phase construction ontology drives draw schedules. No guesswork on completion percentages — the DAG defines when each phase is complete.

Ontology-driven draws

Material Recovery Offset

Deconstruction recovers 80-90% of materials at 51% resale value. Recovery revenue offsets project cost, reducing loan-to-value ratios for your portfolio.

Lower LTV

Provenance & Compliance

Every material has a public ML Material ID and provenance chain. DEM environmental exports for regulatory compliance. Full audit trail.

Built-in compliance

How It Works

Register

Complete the loan originator registration. Include your NMLS#, institution, and lending footprint.

Get Verified

ML Systems verifies your credentials and adds you to the origination partner network.

Receive Pipeline

Qualified borrowers are matched to you based on loan type, geography, and your capacity preferences.

Originate & Track

Originate with RCM terms. Track equity curves, construction draws, and material recovery in real time.

Register as a Loan Originator

Loan Officer Name

NMLS #

Institution / Bank

Institution NMLS #

Lending Footprint (States)

Loan Types (Construction, Reno, Bridge)

Monthly Capacity (# loans)

Contact Email

Phone

Pipeline Preferences

Min Loan Amount

Max Loan Amount

Preferred Project Types

Geographic Focus

Registration is reviewed by ML Systems. You'll receive confirmation within 48 hours.

What is RCM?

The Reverse Construction Mortgage is ML Systems' loan structure. Unlike traditional construction loans where interest accrues during the build:

+100% of payment goes to principal. The borrower builds equity from the first payment.
+Interest is deferred as a separate liability — not compounding against the borrower.
+Material recovery reduces LTV. Deconstruction revenue offsets project cost before the loan funds.
+Equity = property value − principal + recovery value. The formula is transparent to all parties.

Full equity methodology and projections available at mlsystemsri.info/about