ARYS
Analysis DemoPublic QA route

Stable demo scenarios for trust QA

This route exposes fixed underwriting scenarios with visible formula traces. It is intended for QA and trust review, not live property analysis.

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Scenarios
Rental - good caseRental - bad caseSTR - verified allowedSTR - regulations unknownSTR - restrictedSTR - occupancy shockSTR - missing occupancyFlip - negative profitBRRRR - low DSCR
Selected scenario

BRRRR - low DSCR

A BRRRR case with full capital recovery at refinance, but weak stabilized coverage after the new debt load is applied.

Focus strategy
BRRRR
Highest-scoring strategy
BRRRR
Recommended strategy
Not recommended
Recommendation status
not_recommended
Verdict
Pass
Data confidence
55% (Medium)
Recommendation confidence
53/100
Comp count
5 comps
Formula trace
Adjusted ARV
adjustedArv = arv * (1 - appraisalHaircutPct)
$345,658
Refinance loan amount
refinanceLoanAmount = adjustedArv * refiLtv
$259,244
Refi closing costs
refiClosingCosts = refinanceLoanAmount * refiClosingCostPct
$5,185
Cash out at refinance
maxCashOutAmount = totalCashRequired * maxCashOutPct; cashOutAtRefinance = min(totalCashRequired, maxCashOutAmount, refinanceProceedsAfterPayoff)
$108,200
Cash left in deal
cashLeftInDeal = max(0, totalCashRequired - cashOutAtRefinance)
$0
Cash recovered
cashRecoveredPct = cashOutAtRefinance / totalCashRequired
100.0%
Post-refi monthly cash flow
postRefiMonthlyCashFlow = (annualNOI - annualDebtService) / 12
-$803/mo
Stabilized DSCR
stabilizedDscr = annualNOI / annualDebtService
0.51
Effective cash-on-cash
effectiveCoc = cashLeftInDeal === 0 ? null : annualCashFlow / cashLeftInDeal
Capital recovered. Not meaningful at zero cash left.
Warnings
  • Demo only. Sample values, not live underwriting.
  • BRRRR recovers capital, but it is not recommended because stabilized DSCR is below the required floor.
Expected failure reason
BRRRR recovers capital, but it is not recommended because stabilized DSCR is below the required floor.
Recommendation blockers
  • BRRRR recovers capital, but it is not recommended because stabilized DSCR is below the required floor.
  • post-refi monthly cash flow is -$803, which is not above $0
  • post-refi monthly cash flow is -$803, which is not positive
  • stabilized DSCR is 0.51, below the configured minimum refinance DSCR of 1.20
  • stabilized DSCR is 0.51, below the 1.10 hard minimum
Assumptions snapshot
Purchase price
$190,000
Rehab budget
$50,000
Monthly rent
$1,750/mo
Nightly rate
Not provided
Occupancy
Not provided
Holding timeline
36 months
Interest rate
6.5%
STR regulation status
unknown
Refi LTV
75.0%
Refi closing costs
2.0%
Seasoning
6 months
Minimum refi DSCR
1.20
Sale costs
14.0%
Decision reasons
  • BRRRR scores highest because it projects -$803/mo after refinance, capital recovered at refinance; cash-on-cash is not meaningful with zero cash left in the deal, and 0.51 stabilized DSCR.
  • Verdict is Pass because BRRRR recovers capital, but it is not recommended because stabilized DSCR is below the required floor.
  • Trust is weakened because the winning strategy is sensitive to stress-test changes.