Property and transaction
PurposeCash-out refinance
Rental strategy12-month rental
TypeFour-unit
Bedrooms / baths8 / 4.0
Square feet / built2,140 / 1998
Operating evidence12+ months documented
Property value$980,000
Loan request$700,000
Monthly lease income$9,200/mo
Opportunity91/100 · Excellent
Actual customer interfaceProperty & RatingSample data
Illustrative market image
Opportunity score91/100
Excellent
Income, evidence, financing and readiness.
Document the rent used to screen the loan.
Current lease$9,200/mo
Annual lease$110,400
Collection assumption95%
Evidence source12-month lease
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
What should this refinance accomplish?
Displayed DSCR minimum: 1.00xGross qualifying rent ÷ PITIA including HOA.
- Estimated cash out
- $158,850
- Loan amount
- $686,000
- Estimated rate
- 7.000%
- PITIA + HOA
- $5,956/mo
- Actual DSCR
- 1.54x
- Rent needed
- $5,956/mo
- Retained equity
- $294,000
- Monthly cash flow
- $1,588
- Estimated cash out
- $206,625
- Loan amount
- $735,000
- Estimated rate
- 7.125%
- PITIA + HOA
- $6,343/mo
- Actual DSCR
- 1.45x
- Rent needed
- $6,343/mo
- Retained equity
- $245,000
- Monthly cash flow
- $1,201
- Estimated cash out
- $254,400
- Loan amount
- $784,000
- Estimated rate
- 7.375%
- PITIA + HOA
- $6,807/mo
- Actual DSCR
- 1.35x
- Rent needed
- $6,807/mo
- Retained equity
- $196,000
- Monthly cash flow
- $737
Compare customer-facing tradeoffs.
- Points
- 2.0
- Prepayment
- 5-year declining
- Illustrative payment
- $4,604/mo
- Points
- 0.0
- Prepayment
- 5-year declining
- Illustrative payment
- $4,952/mo
- Points
- 0.0
- Prepayment
- 3-year declining
- Illustrative payment
- $5,126/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 score91/100 · Excellent
Income assumption$9,200/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 Main Portfolio LLC
One shared view of the property, selected financing package, open questions and reviewer status.
PropertyFour-unit Rental
FinancingBalanced structure
Workspace statusPreview only
Who can review the decision?
Jordan LeeLead investor
Reviewing capital contribution
Taylor MorganLLC member
Invited in this fictional example
Alex RiveraReal-estate agent
Property questions recorded
Casey BrooksCPA / trusted advisor
Tax questions pending
Sample activityProperty added for reviewFinancing option comparedCPA question recordedIllustrative only—no real people were invited and no messages were sent.
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