Methodology & data sources
See how inputs, available rental evidence and financing assumptions shape the results. Understand the methodology, review the evidence and verify the facts before making a decision.
Platform estimates support research and preparation. They do not establish property value, investment suitability or financing approval.
Information you enter, such as purchase price, estimated value, loan balance, rent, expenses and intended rental use.
Check these inputs against contracts, statements and other records.
Available property records, rental-market information and comparable-property evidence used to inform estimates.
Coverage, relevance and completeness vary.
Lender underwriting, appraisal, title review and advice from your qualified professionals.
These can change assumptions, eligibility and transaction terms.
Selecting and verifying an address helps identify the property being analyzed. It does not verify every property characteristic or establish ownership, title, zoning or permitted rental use.
Available address services and property-record sources may supply details that need correction. Review unit count, bedrooms, bathrooms and other relevant characteristics against reliable records.
Booking history, payout statements, leases, collection records and management statements can help explain what the property has earned.
Reconcile refunds, fees, cancellations and revenue across channels. A booking total is not automatically collected rent or lender-accepted qualifying income.
Available rental-market research and comparable properties can help assess a proposed operating plan.
Projections depend on the evidence and assumptions used. They are not a guarantee of occupancy, nightly rates, annual revenue or qualification.
For long-term rentals, distinguish signed lease income from asking rents and market-rent estimates. For furnished mid-term rentals, review the actual agreement, included expenses and expected gaps between tenants.
Debt service coverage ratio compares qualifying rental income with the payment obligation defined by the lender or selected illustration.
DSCR = qualifying rental income ÷ defined payment obligation
Required qualifying income = payment obligation × selected DSCR target
Use the same period for both figures, such as monthly income and monthly payment. Many residential rental comparisons include principal, interest, taxes, insurance and applicable association dues in the payment obligation. Program definitions can differ.
A $3,000 monthly obligation and a hypothetical 1.20 DSCR target require $3,600 in qualifying monthly income.
The target is not a universal lender requirement. A lender determines accepted evidence, income adjustments, the payment definition and the required ratio.
DSCR does not tell you how much cash remains after all operating expenses.
Illustrative cash flow = rental revenue − operating expenses − debt payments and other included payment costs
Identify what each expense estimate includes so taxes, insurance, association dues or other costs are not deducted twice.
Payment estimates depend on the loan amount, interest assumption, amortization and included property costs. Interest-only or adjustable structures require their own assumptions.
Compare rates alongside points, fees, prepayment terms, cash needed, reserves, cash-out proceeds and retained equity where relevant.
Displayed pricing may change. A saved option or captured screenshot does not preserve an available rate, establish approval or create a rate lock.
Final terms depend on current lender pricing, underwriting, property and borrower eligibility, documentation and transaction requirements.
A displayed score is a summary indicator to help organize further evaluation. Review its accompanying detail, supporting evidence and unresolved assumptions.
Do not interpret a score as a probability of approval, a predicted return, an appraisal or a recommendation to buy.
A property with missing evidence needs further investigation even when the headline score appears attractive. Confirm important inputs before comparing opportunities.
Depending on the screen and available coverage, an analysis may use investor-provided information, address services, public property records, rental-market research or lender/program information.
A field populated from research is not independently verified simply because it appears in the workspace. Review any source, date or status information shown alongside the output.
Missing information means the evidence needs further work. It does not mean the value is zero or that the property qualifies.
These data categories do not imply integrations with every booking platform or equal research coverage for short-term, mid-term and long-term rentals.
Request review when you have a property package and a clear financing question. Our team can assess the assumptions, identify missing information and discuss eligible next steps.
Lenders make credit and underwriting decisions. Appraisers, title providers and qualified legal, tax and other professionals address their respective parts of the transaction.
See how financing review works · Contact us directly
No. A platform estimate does not establish an appraised value or replace the valuation required for a transaction.
No. Credit, leverage, liquidity, reserves, property eligibility, ownership and other program requirements still matter.
No. Review the evidence and assumptions, then test downside scenarios. Actual operating results can differ materially.
No. Depreciation, loss deductions, ownership and other tax questions require your qualified tax professional’s review.
Start with an address, review the evidence and compare the financing.
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.
Preliminary estimates are not approvals, applications, rate locks or commitments to lend. Financing is subject to underwriting, eligibility, lender requirements and applicable state availability. Income, qualification and loan terms are not guaranteed.