Core Insights - Figure has launched an AI-powered Debt Service Coverage Ratio (DSCR) loan platform, enhancing its blockchain-based capital marketplace to address the growing demand in housing finance [1][2] - The platform allows investors to qualify for loans based on property cash flow rather than personal income, streamlining the underwriting and funding process [2][4] Group 1: Platform Features and Benefits - The DSCR platform significantly reduces loan processing time, potentially cutting it by over 80%, allowing funding in as few as 5 days compared to the traditional 21 to 30 days [3][4] - Automation through AI and blockchain technology lowers origination costs by up to 80%, addressing rising industry costs that have increased by 35% to over $10,000 per loan [4][6] - The platform provides tools for brokers, lenders, and investors to capitalize on the growing demand for investment property financing, with DSCR-backed loans increasing from 22% to 50% of all non-QM mortgage-backed securitizations between 2019 and 2022 [5][9] Group 2: Market Context and Growth - The demand for investment property financing is rising as homeownership becomes less accessible, with over $2 billion in DSCR loans originated in January 2025 alone [5][9] - Figure's platform is positioned to meet the needs of both traditional financial institutions and individual investors, offering a competitive edge in the rapidly evolving real estate investment market [7][8] Group 3: Strategic Partnerships and Industry Impact - West Capital and Axen are among the first partners to integrate Figure's DSCR product, highlighting the collaborative approach to expanding market reach [1][9] - Figure's technology aims to reshape financial services by combining AI automation with blockchain transparency, providing a solution that the market has been anticipating [6][9]