AI-Powered Underwriting
Habitus replaces the weeks of manual spreadsheet review behind California LIHTC applications. Upload a workbook, get scored in seconds, and ask an AI grounded in 10 years of CTCAC data.
Trusted by affordable housing developers and consultants across California
7,439
Applications analyzed
92
Funding rounds
10+
Years of data
Riverside Terrace Apartments
Application Score
6 of 6 categories reviewed
Why did we lose 2 points on Lowest Income?
Your project targets 50% AMI for 80% of units, but the maximum 52 points requires 40% AMI or below.Source 1
What would it take to get full points?
Lowering the income target to 40% AMI for at least 10% of units would qualify for the additional 2 points under Section 10325(c)(1)(A).CTCAC §10325
Why Habitus
Manual underwriting is slow, inconsistent, and expensive. One missed scoring detail can cost your team an entire allocation.
Without Habitus
With Habitus
The Platform
Habitus replaces the manual spreadsheet review that takes analysts weeks. Upload, score, compare, and get answers — all backed by real data.
30 sec
15 categories scored from a single workbook upload, with evidence for every point.
Cited
Ask questions about your deal. Every answer cites your workbook or CTCAC regulations.
10 yrs
Compare against 7,439 historical applications across 92 funding rounds.
RAG
Upload supporting PDFs. The AI indexes and retrieves them for grounded answers.
How It Works
Drop your CTCAC application workbook (.xlsx). Habitus parses it in seconds — units, financials, scoring inputs, team, readiness, everything.
See scores across all 15 categories with the evidence behind each. Compare against historical winners. Adjust scores manually if needed.
Chat with an AI analyst about your deal. It answers from your workbook, supporting docs, CTCAC regulations, and 7,400+ past applications.
What Teams Are Saying
“We used to spend two weeks reviewing each application workbook. Habitus does it in under a minute — and catches scoring details we missed.”
Director of Underwriting
California LIHTC Developer
“The AI chat is like having a junior analyst who has memorized every QAP and every past application. It cites everything, so we can trust the answers.”
VP of Development
Affordable Housing Sponsor
“Being able to benchmark against 92 rounds of historical data completely changed how we position our applications. We know exactly where we stand before we submit.”
Senior Project Manager
Housing Consultancy
Built for LIHTC Teams
Parses both bond and competitive workbook variants across 2024, 2025, and 2026 application years.
Every score includes the inputs used, the formula applied, and a plain-English explanation.
Manually adjust any category. The total and competitive position update in real time.
Browse 7,439 applications from 2015–2026 with award status, scores, tiebreakers, and project details.
See where your score ranks against winners and losers from the same round, pool, and housing type.
Every answer references your workbook data, supporting documents, or official CTCAC regulations. No hallucination.
Join the teams already using Habitus to prepare stronger LIHTC applications, faster. See it in action in a 30-minute demo.