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.
Scenarios
Selected scenario
Flip - negative profit
A flip case with a thin resale spread that should fail on profit and projected ROI.
Focus strategy
Flip
Highest-scoring strategy
Flip
Recommended strategy
Not recommended
Recommendation status
not_recommended
Verdict
Pass
Data confidence
65% (Medium)
Recommendation confidence
11/100
Comp count
4 comps
Formula trace
Gross sale price
grossSalePrice = arv$342,099
Total sale costs
totalSaleCosts = grossSalePrice * saleCostsPct$27,368
Total holding costs
totalHoldingCosts = monthlyHoldingCosts * flipTimelineMonths$6,545
Adjusted rehab cost
adjustedRehabCost = rehabCost * (1 + rehabOverrunPct)$71,500
Loan amount
loanAmount = min(financingBasis * flipLoanLeveragePct, purchasePrice + adjustedRehabCost)min(($320,000.00 + $71,500.00) * 80.00%, $320,000.00 + $71,500.00)$313,200
Origination points
originationPoints = loanAmount * flipOriginationPointsPct$313,200.00 * 1.50%$4,698
Monthly interest carry
monthlyInterestCarry = interestOnlyPayment or (fundedPurchaseBalance * flipHardMoneyInterestRatePct / 12)$313,200.00 * 10.00% / 12$2,610
Total interest carry
totalInterestCarry = monthlyInterestCarry * flipTimelineMonths$2,610.00 * 7$18,270
Average outstanding rehab balance
averageOutstandingRehabBalance = weightedAverage(financedRehabBudget, flipRehabDrawSchedulePct, flipTimelineMonths)$0.00 financed rehab budget across 3 draw stage(s)$0
Rehab draw interest
rehabDrawInterest = averageOutstandingRehabBalance * flipHardMoneyInterestRatePct * (flipTimelineMonths / 12)$0.00 * 10.00% * (7 / 12)$0
Lender fees
lenderFees = flipDrawFees + flipInspectionFees + flipExtensionFees + flipLenderAdminFees + flipInterestReserve$750.00 + $450.00 + $0.00 + $600.00 + $0.00$1,800
Total financing cost
totalFinancingCost = originationPoints + totalInterestCarry + rehabDrawInterest + lenderFees$4,698.00 + $18,270.00 + $0.00 + $1,800.00$24,768
Total project cost
totalProjectCost = purchasePrice + adjustedRehabCost + closingCosts + reserves + totalHoldingCosts$407,645
Net profit before financing
netProfitBeforeFinancing = grossSalePrice - totalSaleCosts - totalProjectCost-$92,914
Net profit
netProfit = grossSalePrice - totalSaleCosts - totalProjectCost - totalFinancingCost-$117,682
Projected ROI before financing
projectedRoiBeforeFinancing = netProfitBeforeFinancing / totalProjectCost-22.8%
Projected ROI
projectedRoi = netProfit / (totalProjectCost + totalFinancingCost)-27.2%
Annualized simple ROI before financing
annualizedSimpleRoiBeforeFinancing = projectedRoiBeforeFinancing * (12 / flipTimelineMonths)-39.1%
Annualized simple ROI
annualizedSimpleRoi = projectedRoi * (12 / flipTimelineMonths)-46.7%
Warnings
- Demo only. Sample values, not live underwriting.
- Flip scores are blocked because projected net profit is not positive.
Expected failure reason
Flip scores are blocked because projected net profit is not positive.
Recommendation blockers
- Flip scores are blocked because projected net profit is not positive.
- net profit is -$117,682, below $30,000
- net profit is -$117,682, which is not positive
Assumptions snapshot
Purchase price
$320,000
Rehab budget
$65,000
Monthly rent
Not provided
Nightly rate
Not provided
Occupancy
Not provided
Holding timeline
7 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
8.0%
Decision reasons
- Flip scores highest because it projects -$117,682 net profit at -34.4% margin.
- Verdict is Pass because Flip scores are blocked because projected net profit is not positive.
- Trust is weakened because rent support is missing from the dataset.