Cash committed
Include down payment, closing costs, initial work, furnishings and operating reserves. Separate the purchase price from the full cash requirement.
For financial advisers
Help your client see
the rental’s capital commitments.
Review the property’s income assumptions, debt payments, cash required and exit constraints in one saved workspace. Bring a specific financing scenario into your firm’s advisory process.
Free registration required to view estimated rates and save your research. No sales call required. Contact our team when you choose. Estimates are subject to lender review.
Turn a property idea into a capital conversation.
Cash retained
Compare what remains available for other commitments under each financing structure. Test lower income or unexpected property costs.
Hold period and exit
Review points and prepayment provisions with the expected holding period. A lower payment may involve more cash upfront or different exit constraints.
A simple liquidity illustration.
Assume $250,000 is available for a hypothetical purchase. A $125,000 down payment, $15,000 in transaction costs and $20,000 for initial work leave $90,000. Allocating $25,000 to property reserves leaves $65,000 for other purposes.
Illustration only. These are not required reserve amounts, available loan terms or a financial-plan recommendation. Review the client’s actual obligations and risks.
The useful question is not just “Can the property qualify?” It is “How does this capital commitment fit the client’s plan?” Your firm makes that assessment.
Keep your review attached to the property.
The client can save the property and use the reviewer invitation workflow to involve you. Review the income basis, financing assumptions and unresolved questions against the same property record.
Agree on the scope of access and follow your firm’s policies. Invitation access does not authorize borrowing, signing or redistributing client records.
A workflow for an adviser and client.
1. Start the property analysis
Use authorized property information to begin, or have the client enter the address. Create an account to save the opportunity and preliminary comparisons.
2. Review plan-fit questions
Discuss liquidity, concentration, operating demands, guarantees and downside scenarios. Your firm determines the advice and documentation appropriate to the client.
3. Request financing review
When the client is ready, STR Advisory reviews the financing package and coordinates the appropriate application process. A lender approval does not establish suitability.
Your advice. Our property and financing support.
Your firm retains the financial-planning and investment-advice relationship. The client’s CPA reviews tax treatment; the attorney reviews legal and ownership matters. STR Advisory organizes property information and coordinates eligible business-purpose financing.
We do not provide securities, investment, financial-planning, tax or legal advice. Property scores and preliminary financing estimates are not suitability determinations.
For collaboration across other professional roles, see Professional Partners. To understand the company and its process, see About STR Advisory.
Prefer to discuss the workflow first? Schedule a conversation or contact our team.
Questions before you start
Can I analyze a property before referring the client?
Yes, using information you are authorized to provide. Create an account to save your analysis. Follow your firm’s policies and use client authorization for actual client records and sharing.
Does STR Advisory evaluate suitability for my client?
No. Your firm’s assessment of the client’s circumstances, obligations and appropriate recommendations remains separate from the property and financing analysis.
Will the sample invite my client or send messages?
No. The illustrative workspace uses fictional participants and browser-only interactions. Actual collaboration requires the authenticated invitation workflow.
Must my client request a call to use the tools?
No. They can start the property workflow and save an analysis before choosing to request human review. Direct conversation options are also available.
Start with a property. Bring the capital questions into view.
Start with an address. Save the analysis. Choose your next step.
Free to start. No credit pull for the preliminary check. Create an account to save your property and view preliminary options. Request contact when you are ready.
Property income, scores and financing outputs are preliminary estimates, not approvals, applications, rate locks or commitments. STR Advisory arranges eligible business-purpose financing through third-party lenders. Lenders determine qualifying income, eligibility and final terms. Financing is subject to verification, underwriting, applicable licensing and state requirements.