Clear Capital is honored to be recognized by HousingWire and named a winner of the 2026 Tech100 Mortgage award for a fourth consecutive year.
Each year, HousingWire’s Tech100 Mortgage award recognizes the housing industry’s most innovative and impactful technology companies, and the solutions transforming the mortgage process from origination to closing.
With an increasing share of mortgages being underwritten with investment income, many lenders rely on inconsistent rental estimates, leading to mispriced loans and underwriting volatility. Clear Capital meets the market need with its innovative national-coverage Rental AVM, which now powers an industry-first DSCR rental AVM to instantly estimate data-backed rental income held through closing. This gives lenders a reliable input for DSCR calculations and managing collateral risk.
Rental AVM delivers reliability with a 3% median absolute percentage error, national coverage across more than 85 million rental estimates and the ability to return results in fractions of a second. Rental AVM utilizes the same high-quality data and modeling power behind Clear Capital’s ClearAVM™ home valuation model.
Clear Capital is already powering industry-first innovation, as Angel Oak Mortgage Solutions began using Clear Capital’s solution to launch the first rental AVM for DSCR loans in November 2025. As a result, Angel Oak now instantly generates data-backed rental income figures at pre-qualification and holds them through closing so brokers and borrowers have far greater certainty on loan terms and timelines.
These capabilities matter because DSCR lending has become a major growth engine in the housing market. In Q2 2025, investors bought the highest percentage of single-family homes in five years at 33%, while small-scale investors own 87% of investor-owned homes with portfolios of just one to five properties—yet many pipelines still depend on borrower-stated rents, outdated rent rolls, or ad-hoc market rent lookups. Rental AVM removes these inconsistencies by delivering an automated rent estimate built from Clear Capital’s nationwide rental dataset, which gives lenders a reliable input for DSCR calculations.
“We’re proud of the progress our team has made in turning a complicated part of the DSCR workflow into something instant and dependable,” said Erica Vigen, Senior Product Manager for Real Estate Analytics at Clear Capital. “We’re grateful to our customers and partners who push us to keep raising the bar as Rental AVM helps bring more certainty to loan terms and timelines. It’s an honor to be named a 2026 Tech100 Mortgage winner.”