The Problem
Off-market residential deals close in 72 hours. Capital approval takes 14–21 days.
Independent fix-and-flip and DSCR investors operate without institutional infrastructure. They find a deal, then spend weeks chasing lenders, assembling documents, and hoping something closes before the window shuts. Wholesalers watch transactions fall apart. Lenders receive incomplete files and waste staff time on manual review. The bottleneck is not sourcing. It is capital execution.
Who It's For
Independent residential real estate investors — the 2M+ operators in the US who buy, renovate, and hold single-family homes using leverage, but without the infrastructure institutions take for granted.
Fix-and-Flip | DSCR · Buy-and-Hold
They close 2–10 deals per year. They rely on speed to win off-market deals. They lose capital and relationships every time the lending process fails them. They are underserved by every existing tool in the market.
What Antal Does
An independent investor submits a residential deal. Antal's lending AI agent verifies documents, matches to the right lender program, builds the loan file, and sends for approval — without a single email or phone call.
15-min qualification | 48-hour funding | Zero balance sheet
What currently takes weeks compresses to a single session. We are not a brokerage. We are underwriting infrastructure.
Traction
- 17K — Wholesaler network, deal source and distribution layer.
- 5.5K — Deals sourced last month. ~184 entering the pipeline per day.
- $400M — Monthly qualified loan volume already flowing through us.
- ~25% — Fundable rate. Screened and qualified against 100+ lender programs.
- 274 — Signed investors. Avg 2 fix-and-flips per month. 4.5 deal inquiries per day.
- $150M — Debt fund interested in allocating — they have capital, they lack deal flow.
Business Model & Path to Scale
1–2% origination fee · $400K avg loan size · $4K–$8K per funded deal · Zero balance sheet risk. Revenue scales with volume, not headcount.
- Now: 3 loans/month — $12–24K MRR
- 12 months: 40 loans/month — $160–320K MRR
- 18 months: 80 loans/month — $320–640K MRR
$400M in qualified loan volume already flows through us monthly. At 20% conversion: $80M in funded volume → $800K–$1.6M annual revenue from existing pipeline.
The Ask — $100K Angel SAFE · First Check
Funds: Office space for credit bureau compliance, AI infrastructure and document processing, Team & operating costs.
Milestones: 3 months — 10–15 funded loans/mo, ~$35K MRR. Pre-Seed trigger — Repeatable intake-to-funding conversion proven. Long-term — Every independent investor operates like a private equity firm.
Team
Roberto Pernicone — CEO & Founder: Built underwriting infrastructure and ML fraud detection at Covalto. Scaled asset-backed originations from $10M to $200M annually. 2nd-time founder with one exit. Product and growth at Greylock, Khosla, and Northzone-backed startups. 5+ years in real estate.
Efstathios Prantalos — Co-Founder & Head of GTM: Built the 17,000-member wholesaler distribution network from scratch. Leads deal intake, investor acquisition, and go-to-market.
Supported by advisors from YC, VC-backed fintech, and institutional banking.