Collaborative property workspace

Actual customer interfaceProperty & RatingSample data

Illustrative market image

Illustrative fictional rental-property detail

Opportunity score92/100

Excellent

Income, evidence, financing and readiness.

At a glance

Property and transaction

PurposePurchase

Rental strategyShort-term rental

TypeTownhome

Bedrooms / baths4 / 3.5

Square feet / built2,380 / 2018

Operating evidenceNew conversion

Income evidence

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.

IncludeCoastal group retreatSelbyville · 4 BR · sleeps 10

Revenue$83,720

ADR$371

Occupancy65%

IncludeUpdated family rentalSelbyville · 4 BR · sleeps 8

Revenue$94,640

ADR$427

Occupancy61%

IncludeAmenity-focused staySelbyville · 4 BR · sleeps 10

Revenue$101,920

ADR$450

Occupancy60%

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

Purchase capital decision

How should this purchase be financed?

Displayed DSCR minimum: 1.00xGross qualifying rent ÷ PITIA including HOA.

Preserve more cash20% down

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

Balanced structure25% down

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

Stronger coverage30% down

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

Rate and flexibility

Compare customer-facing tradeoffs.

Lowest preliminary rate6.625%

Points: 2.0
Prepayment: 5-year declining
Illustrative payment: $3,007/mo

Lower upfront cost7.125%

Points: 0.0
Prepayment: 5-year declining
Illustrative payment: $3,234/mo

Shorter prepayment period7.375%

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

Your financing 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.

Application readiness