Property and transaction
PurposePurchase
Rental strategyShort-term rental
TypeTownhome
Bedrooms / baths4 / 3.5
Square feet / built2,380 / 2018
Operating evidenceNew conversion
Property value$640,000
Loan request$480,000
Working STR income$7,583/mo
Opportunity92/100 · Excellent
Actual customer interfaceProperty & RatingSample data
Illustrative market image
Opportunity score92/100
Excellent
Income, evidence, financing and readiness.
Understand the income behind the rating.
Projected revenue$91,000
Average nightly rate$395
Occupancy63%
Booked nights230
Comparable rentals · review and select evidence
These fictional rentals illustrate how similar bedrooms, guest capacity, nightly rates and occupancy support an income assumption. Selecting a sample marks it for review; it does not recalculate or verify income.
Income methodology and supporting evidence
Market projections are estimates, not documented operating history. A long-term rental uses lease income; a short-term rental may use projections or operating records as permitted by the lender. Comparable selection alone does not establish qualifying rent. Appraisal, rent schedules and lender review remain necessary.
The score combines income, evidence, financing and readiness. It is an educational screening indicator, not an approval.
Actual customer interfaceFinancing OptionsPreliminary
How should this purchase be financed?
Displayed DSCR minimum: 1.00xGross qualifying rent ÷ PITIA including HOA.
- Cash required
- $168,828
- Loan amount
- $512,000
- Estimated rate
- 7.375%
- PITIA + HOA
- $4,671/mo
- Actual DSCR
- 1.62x
- Rent needed
- $4,671/mo
- Monthly cash flow
- $561
- Cash required
- $198,213
- Loan amount
- $480,000
- Estimated rate
- 7.125%
- PITIA + HOA
- $4,369/mo
- Actual DSCR
- 1.74x
- Rent needed
- $4,369/mo
- Monthly cash flow
- $864
- Cash required
- $227,893
- Loan amount
- $448,000
- Estimated rate
- 7.000%
- PITIA + HOA
- $4,116/mo
- Actual DSCR
- 1.84x
- Rent needed
- $4,116/mo
- Monthly cash flow
- $1,117
Compare customer-facing tradeoffs.
- Points
- 2.0
- Prepayment
- 5-year declining
- Illustrative payment
- $3,007/mo
- Points
- 0.0
- Prepayment
- 5-year declining
- Illustrative payment
- $3,234/mo
- Points
- 0.0
- Prepayment
- 3-year declining
- Illustrative payment
- $3,347/mo
Financing methodology and assumptions
Displayed DSCR uses gross qualifying monthly rent divided by principal, interest, taxes, insurance and HOA. Monthly cash flow separately deducts the sample operating expense allowance and housing cost. Cash required and cash out are estimates; lender fees, appraisal and current eligibility require confirmation.
Rate tradeoffs are fictional illustrations, not live offers or rate locks. The illustrative payment is a simplified comparison, not a final amortization quote.
Actual customer interfaceDecision & Next StepsSample package
Review the decision and choose what happens next.
The balanced structure meets the displayed DSCR target.
Property score92/100 · Excellent
Income assumption$7,583/mo
Capital objectiveBalanced structure
Rate approachLower upfront cost
Concerns and ways to improve
Add documented history or stronger third-party evidence.
Actual customer interfaceWorkspace & TeamFictional participants
Temporary demo workspace
Sample Family Property LLC
One shared view of the property, selected financing package, open questions and reviewer status.
PropertyShared Investment Review
FinancingBalanced structure
Workspace statusPreview only
Who can review the decision?
Jordan LeeLead investor
Reviewing capital contribution
Taylor LeeSecond LLC member
Comment added
Morgan ReedReal-estate agent
Purchase questions open
Casey BrooksProperty manager
Revenue assumptions reviewed
Avery ChenCPA
Tax questions for separate review
Riley PatelFinancial advisor
Liquidity questions open
Cameron DiazAttorney
Ownership questions open
Sample activityProperty added for reviewFinancing option comparedCPA question recordedIllustrative only—no real people were invited and no messages were sent.
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