FAQ
Questions about PATL
Short answers to what people ask first about PATL, the hotel underwriting software.
What is PATL?
PATL is hotel underwriting software. You upload an offering memorandum and it produces a sized loan, a USALI proforma, and a lender or investor package in about ten minutes, with every number traced to the page it came from.
How does PATL size a hotel loan?
PATL runs three tests together: loan to value, debt yield, and debt service coverage ratio. The smallest result sets the loan amount, and PATL reports which test was the binding constraint.
Is PATL output an appraisal?
No. PATL produces underwriting models, not appraisals, valuations or investment advice.
Does PATL use AI to calculate the numbers?
The financial engine is deterministic: rerunning a deal returns the same numbers. AI is used to read documents, and every extracted figure must be approved by a person before the engine uses it.
Is there a free version of PATL?
Yes. One live deal is free and no credit card is needed.
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