R&D · Mortgage × Investing × AI
We run institutional-grade AI research in public.
The same discipline that trades our fund decides when you should lock your rate. Every model, every call, and every miss is published. Research you can audit, attached to a lending practice you can use.
Algo Fund Paper
CIL Algo Fund
An autonomous AI trades a systematic paper account. NAV, positions, and drawdowns published live.
Paper trading, educational research, not investment advice and not an offer of any investment product. Past performance does not predict future results.
Rate Lock Index
Should you lock or float today?
LOCK
A cost-of-regret default, not a forecast, with what locking now vs floating has cost for your closing date · updated every weekday
Market Signal
Mortgage market intelligence
Regime: INFLATIONARY_BOOM
Updated Nov 6, 2026 · daily
Research Log
The work behind the models
Inflationary Boom, 7.24% Thirties, and a Spread That Won't Quit: Reading the November Setup
Updated Nov 2, 2026
Ask Chad
Public Q&A archive
Submit a mortgage question. It gets a researched answer, published for everyone.
Deal Analyzer
Run the numbers like the fund does
Cap rate, cash-on-cash, DSCR, and monthly cash flow on any investment property. Free, no signup.
Research only · not investment advice · not a rate lock commitment. Paper trading, educational research, not investment advice and not an offer of any investment product. Past performance does not predict future results. The Rate Lock Index and the CIL Algo Fund are research and education, not personalized advice, not an offer of credit, and not an offer of securities or advisory services. For a binding rate quote, contact your loan officer. NMLS #2636410. West Capital Lending, Inc. NMLS #1566096. Equal Housing Opportunity.