The AI-Powered
Future of Pre-Close
Due Diligence
X-RAY uncovers the builder and project liabilities that traditional due diligence misses — by doing what no manual review can. It reads every document simultaneously, surfacing contradictions that only appear when contracts, budgets, plans, and appraisals are compared side by side. It calibrates to your exact deal — builder type, project scope, region, and loan program — so every flag is relevant and nothing real gets missed.
The result is definitive risk analysis that protects your capital and fast-tracks your pre-close timeline.
Clear Intelligence to Resolve Construction Risks
X-RAY Builder Analysis
A deep-background evaluation that goes far beyond traditional screening to verify multi-state licensing, active insurance standing, and legal histories. X-RAY also delivers definitive risk scoring to help your team accept builders with absolute confidence.
X-RAY Project Analysis
An advanced structural audit that cross-references contracts, budgets, plans, and appraisals simultaneously. X-RAY benchmarks line items against national data matrices to expose hidden contract loopholes and cost inflation before you close.
Where should we email your sample X-RAY Analysis?
Where should we email your sample X-RAY Analysis?
Accept with Confidence
X-RAY Builder Analysis
Don’t let a builder’s past become your future liability. X-RAY goes beyond basic checks to perform deep-dive digital reputation audits and real-time verification.
Definitive Risk Scoring
Receive explicit Low, Medium, or High risk categorization with Accept/Reject recommendations, specifying project types the builder’s experience qualifies them to handle.
Legal & Credit Vetting
Perform exhaustive background lookups on companies and principals via LexisNexis, OFAC, and Secretary of State filings to uncover active litigation or corporate risks.
License & Insurance Verification
Instantly verify local licensing, GC classifications, regional jurisdiction requirements, and insurance to ensure the builder is legally qualified for the specific project location.
Digital Reputation & Relationship Audit
Uncover hidden red flags, adverse media, online reviews, and undisclosed family ties or non-arm’s-length transactions between builders and borrowers.
Fund With Certainty
X-RAY Project Analysis
Stop reacting to budget and project discrepancies and start preventing them. X-RAY benchmarks every project against our national database to confirm the numbers make sense before the first nail is driven.
Strategic Cost Variance Audit
Cross-reference every budget line item against Land Gorilla’s national construction database to instantly pinpoint hidden cost inflation, math errors, formatting gaps, and front-loading risks.
Cross-Document Feasibility Check
Simultaneously cross-reference contracts, budgets, plans, and appraisals to expose contract-logic vulnerabilities, square-footage rationale gaps, and risky cost-plus pitfalls.
Automated Permitting Intelligence
Instantly extract local jurisdictions, accurate permit cost projections, required inspection schedules, and county contact details to prevent administrative processing delays.
Actionable Mitigation & State Guidance
Receive explicit loan conditions to mitigate project vulnerabilities, paired with state-specific mechanics lien laws, local recording deadlines, and strict no-start verification rules.
Solve Your Toughest Construction Challenges
Real findings from X-RAY Analyses
Builder Analysis · Fraud Detection
Workers’ Comp Fraud Identified
A builder filed a zero-employee workers’ comp exemption. X-RAY cross-referenced public digital footprints to find recent reviews praising the foreman’s active job crew, exposing potential labor fraud.
X-RAY Finding: Potential workers’ comp fraud through misrepresented employee count.
Project Analysis · Contextual Contradiction
$67,000 Budget Contradiction Detected
A contract placed utility connection costs on the borrower, yet the project budget simultaneously allocated $67,000 for septic and well installation—a hidden double-funding risk.
X-RAY Recommendation: Obtain written clarification that the builder manages all utility installation for turnkey delivery.
Builder Analysis · Misrepresentation
20+ Undisclosed Liens Found
A builder questionnaire declared zero open liabilities. X-RAY scanned LexisNexis to uncover 20+ hidden tax judgments and liens, revealing a material pattern of financial distress.
X-RAY Finding: Material misrepresentation on questionnaire — pattern of financial distress.
Project Analysis · State Statutory Risk
critical state statutory deadlines Revealed
X-RAY flagged a Louisiana project requiring a No Work Affidavit filed within 4 business days of title recording, preventing the lender from losing mechanics lien statutory priority.
X-RAY Recommendation: Coordinate No Work Affidavit filing with title prior to closing
Frequently Asked Questions
X-RAY is Land Gorilla’s AI-powered pre-close due diligence solution for construction lenders. It analyzes every document in a loan file — contract, budget, plans, appraisal, and builder questionnaire — simultaneously, then benchmarks findings against decades of national construction cost data and state-specific statutory requirements. The result is a same-day risk report that tells lenders whether to accept or reject a project or builder, and exactly what conditions to impose if they proceed. Unlike traditional reviews that open one file at a time, X-RAY surfaces contradictions that only become visible when all documents are read together.
Most construction risk mitigation solutions review documents one at a time and deliver findings days or weeks later. X-RAY works differently.
It reads the relationships between all documents simultaneously — finding risks invisible when files are reviewed in isolation. It scales the analysis to the specific builder, project, region, and loan program rather than applying a uniform ruleset to every deal. It delivers same-day turnaround inside the Land Gorilla platform — no new vendor portal, no separate login. And, it’s a significantly more cost-effective alternative to traditional third-party review vendors.
Every report is reviewed by a Land Gorilla risk analyst before delivery, so you get the speed of AI with the accountability of human expertise.
X-RAY draws from a multi-layer data ecosystem. Its proprietary variance engine is powered by Land Gorilla’s national construction cost database — accumulated decades of active construction loans and unavailable from any other vendor. This is supplemented by real-time feeds including LexisNexis , OFAC , Secretary of State filings, adverse media searches, and digital reputation audits. Licensing and regulatory data are monitored continuously so that changes, such as a lapsed contractor license or a new lien filing, are captured.
X-RAY calibrates to the specific parameters of each deal — builder type, construction method, project scope, region, and loan program — rather than applying a generic checklist. For example, if framing costs appear elevated on a standard benchmark, X-RAY determines whether the construction method (such as ICF, or Insulated Concrete Form) justifies the variance before flagging it. This prevents the false positives that slow down legitimate complex deals, while ensuring that genuine anomalies are not rationalized away. Calibration is backed by decades of national project data covering diverse building methods and geographies.
