Enterprise AI Workflow Infrastructure

Decision
Infrastructure
For Real Estate

Nexum converts fragmented public records into automated workflow decisions — for loan underwriting, insurance, claims validation, and portfolio risk monitoring.

APN: 301-50-023 Desert Sun Holdings LLC 4521 N 32nd St → Open Agent Queue
Live Signals
🤖
AI Agent Command Center
Automated loan underwriting, insurance risk evaluation, and claims validation — driven by deterministic rule engine with full audit trail.
Workflow Automation
🏛
Property Intelligence
Full lien stack, distress timeline, entity graph, and opportunity scoring for every parcel in Maricopa County — expanding nationally.
Event Ledger
⚖
Enterprise Solutions
Hard money lenders, insurance carriers, servicers, and portfolio managers — embedded decision infrastructure that becomes operational backbone.
Enterprise Grade
🕸
Entity Graph
LLC-to-human resolution. Shared registered agents. Portfolio leverage concentration. Systemic distress detection across related entities.
Knowledge Graph
1.4M
Parcels Indexed
Maricopa County, weekly refresh
847
Active Distress Signals
NOD + NOT + Tax Delinquent
203
Trustee Sales <60 Days
With live countdown timers
38K
Entity Relationships
LLC → Human resolved
2,140
AI Decisions This Month
Loan + Insurance + Claims
Enterprise AI Workflows

Automated Decision
Infrastructure

Nexum embeds structured decision logic into your existing workflows. The agent layer executes your playbooks, applies your underwriting guidelines, and appends audit-ready decision events — without overwriting any source data.

01
Loan Underwriting Automation
Agent pulls property snapshot, evaluates lien stack, detects open NOD/NOT, validates tax delinquency, resolves LLC to principal, detects portfolio stress, calculates DTI, and applies rule-based underwriting checklist.
Pull property snapshot
Evaluate lien priority stack
Detect NOD / NOT / tax delinquency
Resolve LLC → principal
Apply underwriting ruleset
Output structured decision event
60–80% Time Reduction
02
Property Insurance Underwriting
Agent evaluates open liens, tax delinquency, vacancy risk, distress signals, fraud indicators, and prior foreclosure cycles. Outputs risk score, hazard flags, fraud risk, and premium band recommendation.
Evaluate open lien stack
Detect vacancy + distress signals
Score prior foreclosure cycles
Flag fraud patterns
Output risk score + premium band
Insurance Grade
03
Claims Validation
Agent verifies ownership at time of loss, insurable interest, open encumbrances, entity exposure, and fraud pattern signals. Reduces claims leakage and manual verification overhead.
Verify ownership at time of loss
Confirm insurable interest
Check open encumbrances
Detect fraud pattern signals
Output evidence-linked decision
Claims Intelligence
04
Portfolio Risk Monitoring
Continuous surveillance of multi-LLC leverage concentration, serial distressed operators, shared registered agents, and systemic exposure. Flags portfolio concentration risk before it becomes a problem.
Detect multi-LLC leverage
Identify serial distressed operators
Flag shared registered agents
Score concentration risk
Counterparty Surveillance
05
Fix & Flip Intelligence
Opportunity scoring for SFR acquisitions. Distress urgency, underwater detection, hard money patterns, absentee owner flags, and portfolio leverage signals combined into a transparent, auditable score.
Score distress urgency
Detect underwater properties
Flag hard money patterns
Identify motivated sellers
SFR Acquisition
06
Audit Trail Infrastructure
Every decision is a versioned, append-only event. Policy version used, agent version, evidence references, human override log. Fully auditable. Compliant-ready. Never overwrites source data.
Append decision event
Link evidence event IDs
Record policy version
Log human overrides
Compliance Ready
Architecture

Provenance-First.
Append-Only.
Decision-Ready.

Nexum's event ledger stores every deed, mortgage, lien, and foreclosure as an immutable record with full provenance. The AI agent layer consumes events and appends decision records. Nothing is overwritten. Everything is traceable.

Maricopa Assessor API — parcel facts, valuations, owner of record
Local ZIP ingest (Residential_Master, Parcels, APN crosswalk)
Recorder CSV import — deeds, mortgages, NOD, NOT, liens
AZ Corp Commission — entity graph, principals, registered agents
AI Agent layer — structured decisions appended as events
nexum — agent decision event
nexum.agent → process('LOAN-2025-0847')

-- property intelligence
parcel: '301-50-023'
owner: "Desert Sun Holdings LLC"
resolved: "David R. Chen"
lien_stack: TAX($4.8K) + MORTGAGE($285K)
NOT_sale_date: 38 days

-- agent evaluation
dtv_ratio: 104.8% ← exceeds threshold
tax_delinquent: true
portfolio_stress: 5 LLCs / 3 open liens

-- decision event (append-only)
verdict: FLAGGED
policy_ver: UW-GUIDELINES-v2.3
agent_ver: nexum-agent-0.9.1
evidence: [evt:0421, evt:0388, evt:0512]
Nexum
Decision infrastructure for real estate financial operations — from parcel to person to policy.
Platform
Solutions
Company
© 2025 NEXUM INTELLIGENCE INC. — PHOENIX, AZ ALL SYSTEMS OPERATIONAL
AI Agent Command Center
Decision Queue
Loan Underwriting · Insurance · Claims · Portfolio Surveillance
Active Queue (7)
3 processing · 2 flagged · 2 waiting
LOAN-2025-0847
Desert Sun Holdings LLC · APN 301-50-023
FLAGGED
LOAN-2025-0851
Sunrise Capital AZ LLC · APN 204-12-089
PROCESSING
INS-2025-0214
4521 N 32nd St · Insurance UW
APPROVED
CLM-2025-0088
1820 W McDowell Rd · Claim Validation
FLAGGED — Fraud Signal
PORT-2025-0019
David R. Chen Portfolio · Risk Review
PROCESSING
LOAN-2025-0853
3310 N 16th St · Hard Money
QUEUED
INS-2025-0217
265-91-007 · Property Insurance
QUEUED
LOAN-2025-0847 — Loan Underwriting
APN: 301-50-023 · Desert Sun Holdings LLC · Submitted 2025-02-14 09:22 UTC · Policy: UW-GUIDELINES-v2.3
✓
Property Snapshot Retrieved
Pulled fn_property_snapshot('301-50-023'). Parcel located in Maricopa County, Phoenix 85018. Last assessor update: 2024-11-30.
✓ parcel_id: a3f2-... · address: 4521 N 32nd St · assessor_value: $298,400
✓
Lien Stack Evaluated
3 open encumbrances. AZ super-priority tax lien ranks above first mortgage. Total encumbrance: $312,821.
⚠ Rank 1: TAX LIEN $4,821 (super-priority)
→ Rank 2: MORTGAGE $285,000 SW Capital Lending
→ Rank 3: MECHANICS LIEN $23,000 Sonoran Contractors
✓
Distress Timeline Checked
NOD filed 2024-07-22. Notice of Trustee's Sale filed 2024-10-03. Sale date: March 14, 2025 — 38 days from evaluation date.
⚠ CRITICAL: Active NOT with sale in 38 days. Per policy §4.2.1: active NOT within 90 days = automatic flag.
✓
Entity Resolution
Desert Sun Holdings LLC resolved to David R. Chen via AZ Corp Commission records. Chen controls 5 LLCs with 8 total parcels across Maricopa County.
→ Principal: David R. Chen (member/manager) · Agent: Apex Statutory Services
→ Portfolio: 5 LLCs · 3 open mortgages · 2 additional distress signals
!
Underwriting Ruleset Applied
Applied UW-GUIDELINES-v2.3. 3 policy violations triggered automatic flag. Human review required for exception processing.
✗ Rule 4.2.1: Active NOT within 90 days — FAIL
✗ Rule 3.1.4: DTV ratio 104.8% exceeds max 95% — FAIL
✗ Rule 5.0.2: Tax delinquency present — FAIL
✓ Rule 2.1.0: SFR property type — PASS
✓ Rule 2.2.1: Value band $100k–$400k — PASS
!
Decision Event Appended
Structured decision event written to append-only ledger with full evidence links and policy version.
⚠ FLAGGED — HUMAN REVIEW REQUIRED
Decision event: dec-evt-20250214-0847 · Policy: UW-GUIDELINES-v2.3 · Agent: nexum-agent-0.9.1
78/100
Active NOT — Sale in 38 Days
FAIL — Policy §4.2.1
Debt-to-Value Ratio
104.8% — Exceeds 95% Max
Tax Delinquency
FAIL — 2023 Tax Unpaid
Portfolio Concentration
5 LLCs · 3 Open Mortgages
Property Type
PASS — SFR
Value Band
PASS — $298K in range
Evidence: evt:0421 (NOT recorded) · evt:0388 (Tax lien) · evt:0512 (Mechanics lien) · entity:chen-drv-001
Verify next: Title search for junior liens · Lender contact for short sale inquiry · ARS §33-813 cure period status
Nexum/ Maricopa County/ Property Intelligence
4521 N 32ND ST, PHOENIX AZ 85018
APN: 301-50-023 · SFR · Lot 7,200 sqft · 1,847 sqft living · R-1 Zoning
⚠ NOT RECORDED 38 DAYS TO SALE UNDERWATER TAX DELINQUENT SFR TARGET AGENT ANALYZED
Flip Opportunity Score
78
High urgency. Motivated seller.
Trustee sale in 38 days.
🔴
Trustee Sale — 38 Days
NOT recorded 2024-10-03. Sale: March 14, 2025. Lender: Southwest Capital Lending LLC. Trustee: AZ Trustee Corp. Per ARS §33-808.
⚠️
Underwater — Debt Exceeds Value
Total encumbrances $312,821 vs assessor value $298,400. DTV: 104.8%. AZ super-priority tax lien must be satisfied first.
✦
LLC Resolved — Portfolio Stress Detected
Desert Sun Holdings LLC → David R. Chen via AZ Corp Commission. Controls 5 LLCs / 8 parcels. Shared agent: Apex Statutory Services across 2 distressed LLCs.
🤖
AI Agent Evaluation Complete — FLAGGED
Loan underwriting agent flagged this property: 3 policy violations (Active NOT, DTV>95%, tax delinquency). Human review required. See Agent Log tab.
33.5°N · 112.0°W · Phoenix Metro
PARCEL BOUNDARY
Assessor Full Cash Value
$298,400
Tax Year 2024 · Maricopa Assessor
Estimated Total Debt
$312,821
Tax + Mortgage + Mechanics Lien
Estimated Equity
−$14,421
Underwater — DTV 104.8%
Owner of Record
Desert Sun Holdings LLC
Deed 2023-08-14
Resolved Principal
David R. Chen
AZ Corp Commission · 5 LLCs
Property Type
SFR
3bd/2ba · 1,847 sqft · 1978
Days to Trustee Sale
38
March 14, 2025
AI Agent Verdict
FLAGGED
LOAN-2025-0847 · UW-v2.3
Lien Stack — AZ Priority Order
3 Open · $312,821 Total
⚖
AZ Super-Priority: Tax Lien Ranks Above All
Arizona statute grants property tax liens super-priority. Tax must be satisfied before any other encumbrance in foreclosure or sale. This affects net proceeds calculations in underwriting.
#
Instrument
Amount
Recorded
Status
1
Tax Lien — Super Priority
Maricopa Treasurer · 2023 · TAX-2024-00391
$4,821
2024-01-15
OPEN
2
Deed of Trust — 1st Mortgage
Southwest Capital Lending LLC · Doc #2023-0841209
$285,000
2023-08-14
OPEN·NOT
3
Mechanics Lien
Sonoran Contractors Inc · Doc #2024-0412083
$23,000
2024-04-02
OPEN
Total Debt
$312,821
Assessor Value
$298,400
Underwater
YES — 104.8%
AZ Foreclosure Pipeline
Stage 2 of 3 — NOT Recorded
2024-07-22
Notice of Default Recorded
Doc #2024-0722419. Borrower: Desert Sun Holdings LLC. Default: $8,400 missed payments. Lender: Southwest Capital Lending LLC.
2024-10-03
Notice of Trustee's Sale Recorded
Doc #2024-1003217 per ARS §33-808. Trustee: AZ Trustee Corp. Sale at Maricopa County Courthouse steps.
TRUSTEE SALE IN 38 DAYS — March 14, 2025
March 14, 2025 — SCHEDULED
Trustee's Sale
Public auction per ARS §33-810. Opening bid est. ~$292,000. Tax lien satisfied separately by buyer. Per UW policy §4.2.1: active NOT within 90 days is automatic flag.
Pending
Trustee's Deed or Cancellation
If sale proceeds: Trustee's Deed recorded, new owner takes title free of junior liens. If cured: Cancellation per ARS §33-818.
Deed & Title History
4 instruments · chain complete
TypeRecordedGrantorGranteeAmountDoc #
DEED2023-08-14Phoenix Growth Partners LLCDesert Sun Holdings LLC$272,0002023-0841208
DEED2021-03-02Roberto & Ana VasquezPhoenix Growth Partners LLC$218,5002021-0302017
DEED2011-06-15First National Bank (REO)Roberto & Ana Vasquez$142,0002011-0615994
TRUSTEE'S DEED2011-02-04James K. MorrisonFirst National Bank (REO)—2011-0204882
Chain of Title Analysis
Prior REO (2011). Investor acquisition 2021, LLC transfer 2023 with same-day hard money mortgage — third potential foreclosure cycle now underway on this parcel.
Mortgage & Debt Instruments
2 recorded · 1 open · 1 released
TypeRecordedBorrowerLenderAmountStatus
DEED OF TRUST2023-08-14Desert Sun Holdings LLCSouthwest Capital Lending LLC$285,000OPEN·NOT FILED
RELEASE2021-05-14Phoenix Growth Partners LLCMaricopa Mortgage Group$198,000RELEASED
Hard Money Pattern · Policy Flag §3.2.1
Deed of Trust recorded same date as warranty deed (2023-08-14) — hard money indicator. Southwest Capital Lending LLC is an active short-term lender in Maricopa. LTV ~104.8%. Typical hard money term 12–18 months, now past maturity — consistent with default sequence observed.
Entity Knowledge Graph
2-hop · 9 nodes · 10 edges
Subject Parcel
LLC Entity
Individual Person
Lender / Lienholder
Registered Agent
Related Parcel
Opportunity Score — 78 / 100
Rule-Based · Auditable
Distress Urgency
NOT recorded · Sale in 38 days
+27
Underwater Flag
DTV ratio 104.8%
+18
Tax Delinquency
Treasurer · 2023 unpaid
+12
Hard Money Pattern
Mortgage same-day as deed
+9
Portfolio Leverage
5 LLCs · 3 open · shared agent
+8
SFR Target Range
$298k · $100k–$400k band
+4
Underwriter Narrative
"High-conviction distressed SFR. LLC-sheltered seller is underwater with an imminent Trustee's Sale in 38 days. Entity resolution reveals the principal carries leverage across 5 LLCs — two sharing a registered agent with independent distress signals. Systemic financial stress, not isolated. Tax delinquency confirms cash flow pressure. Agent flagged 3 policy violations."
VERIFY → Title for junior liens · Lender contact for short sale · ARS §33-813 cure period · Portfolio cross-exposure
AI Agent Decision Log
LOAN-2025-0847 · Flagged
🤖
Agent Evaluation Complete — Human Review Required
Loan underwriting agent completed evaluation. 3 policy violations flagged. Decision appended to ledger as append-only event dec-evt-20250214-0847.
StepCheckResultPolicy RefEvidence
1Property SnapshotPASS§1.0parcel:a3f2
2Lien Stack — Tax DelinquencyFAIL§5.0.2evt:0388
3Active NOT within 90 daysFAIL§4.2.1evt:0421
4DTV Ratio <95%FAIL — 104.8%§3.1.4computed
5LLC → Principal ResolutionRESOLVED§6.1.0entity:chen-drv-001
6Portfolio ConcentrationWARNING — 5 LLCs§6.2.1entity graph
7SFR Property TypePASS§2.1.0parcel_fact
8Value Band $100k–$400kPASS — $298K§2.2.1parcel_fact