411 Capital — Automation OS

Project Board — Ground Zero

411 Capital is starting from zero. Everything is manual. This board maps the full build: what exists, what is missing, what can be automated, and what needs human judgment.

11 Missing Documents3 Build Phases26 Automatable Tasks8 Manual Review Gates1 Workshop Remaining
1

Phase 1 — Pre-Workshop (Complete)

  • Process map drafted — end-to-end loan lifecycle mappedDone
  • Manual vs Auto split defined — every task assigned a layerDone
  • Brain vs Workers model outlined — decision logic separated from executionDone
  • Data sources catalogued — providers, pros, cons, recommendations researchedDone
  • Missing docs identified — 11 critical gaps surfaced for collectionDone
  • Workshop agenda built — 51 questions across 7 topic blocksDone
  • Stakeholders aligned — 411 Capital principals briefed on goalsDone
  • Workshop scheduled — 90-minute session on the calendarDone
  • Review current onboarding documentDone
  • Review AI document from ErikDone
  • Review process document from EricDone
  • Extract info and questionsDone
  • Create color mapping for each sectionDone
  • Review and audit each sectionDone
  • Code the 411 Capital home baseDone
  • Push URL liveDone
  • Brainstorm upstreamsDone
  • Map analog blueprintDone
  • Add light and dark modeDone
2

Phase 2 — Discovery (Workshop)

  • Run 90-min discovery workshop using the 51-question frameworkCritical
  • Collect pre-workshop documents: rate sheet, deal files, loan programs, Do Not Lend listMissing
  • Map each loan program (FlexTerm, ARV Pro, Flex I/O, Fast50) to eligibility rulesMissing
  • Document the rate and fee matrix — what factors move rate up or downMissing
  • Define hard decline criteria — what is an automatic noMissing
  • Confirm borrower background check vendor (Middesk, Persona, DataVerify)TBD
  • Confirm property valuation data partner (ATTOM, HouseCanary, CoreLogic)TBD
  • Get existing Do Not Lend List in digital/structured format for API lookupMissing
3

Phase 3 — Build (System)

  • Design smart intake form with conditional logic — replaces static PDFAuto
  • Build deal scoring engine — 5 weighted categories, 0–100 outputAuto
  • Code LTV auto-calculator — Loan divided by Property Value, flag if over 75%Auto
  • Build Do Not Lend List live lookup — name, address, entity cross-referenceAuto
  • Integrate property valuation API — pull AVM, comp data, ARV estimateAuto
  • Integrate borrower background check API — KYC/KYB, entity verificationAuto
  • Build rate matrix auto-calculator — base rate + adjustments = final rateAuto
  • Build decision routing engine — Green/Yellow/Orange/Red with reason codesAuto
  • Build term sheet auto-generator — PDF template populated from scoring dataAuto
  • Set up CRM pipeline — intake, review, approved, closed stagesSetup
  • Wire Zapier/Make.com flows: form to scorer to CRM to notificationsAuto
  • Build Qualia data push — intake data pre-populates title order on approvalAuto
4

Phase 4 — Test and Validate

  • Run 5 historical deals through scoring engine — compare vs actual decisions madeManual
  • Tune scoring weights based on historical deal test resultsManual
  • Test Do Not Lend List lookup with known flagged names and propertiesManual
  • Stress test edge cases: first-time borrower, foreign national, ARV deal, max LTVManual
  • Get 411 Capital sign-off on scoring output for first 10 live submissionsManual
5

Phase 5 — Launch and Iterate

  • Soft launch: first 20 real applications through the system, supervisedSupervised
  • Track score vs final decision accuracy — target 90%+ alignmentAuto
  • Gradually reduce manual review for Green-scored deals as trust buildsManual
  • Monthly model review: refresh weights, update data sources, add new decline patternsMonthly