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
Rental - good case
A stable rental case with positive cash flow, healthy DSCR, and visible comparable-sale support.
Focus strategy
Long-Term Rental
Highest-scoring strategy
Long-Term Rental
Recommended strategy
Long-Term Rental
Recommendation status
recommended
Verdict
Buy
Data confidence
94% (High)
Recommendation confidence
75/100
Comp count
5 comps
Formula trace
Monthly rent
monthlyRent = input.monthlyRentinput.monthlyRent = $2,550.00$2,550.00
Annual gross rent
annualGrossRent = monthlyRent * 12$2,550.00 * 12$30,600.00
Vacancy percent
vacancyPct = monthlyVacancyLoss / monthlyRent$127.50 / $2,550.005.00%
Vacancy dollar amount
annualVacancyLoss = monthlyVacancyLoss * 12$127.50 * 12$1,530.00
Effective gross income
effectiveGrossIncome = annualGrossRent - annualVacancyLoss$30,600.00 - $1,530.00$29,070.00
Property management percent
propertyManagementPct = monthlyManagement / monthlyRent$204.00 / $2,550.008.00%
Property management base
propertyManagementBase = annualGrossRentannualGrossRent = $2,550.00 * 12$30,600.00
Property management dollar amount
annualPropertyManagement = monthlyManagement * 12$204.00 * 12$2,448.00
Taxes
annualTaxes = monthlyTaxes * 12$250.00 * 12$3,000.00
Insurance
annualInsurance = monthlyInsurance * 12$110.00 * 12$1,320.00
Maintenance
annualMaintenance = monthlyMaintenance * 12$235.00 * 12$2,820.00
Capex
annualCapex = monthlyCapex * 12$235.00 * 12$2,820.00
Total operating expenses
annualOperatingExpenses = annualVacancyLoss + annualPropertyManagement + annualTaxes + annualInsurance + annualMaintenance + annualCapex + annualHoa + annualUtilities$1,530.00 + $2,448.00 + $3,000.00 + $1,320.00 + $2,820.00 + $2,820.00 + $0.00 + $0.00$13,938.00
NOI
annualNOI = annualGrossRent - annualOperatingExpenses$30,600.00 - $13,938.00$16,662.00
Monthly debt service
monthlyDebtService = PMT(interestRatePct / 12, loanTermYears * 12, loanAmount)PMT(5.00% / 12, 30 * 12, $157,500.00)$845.49
Annual debt service
annualDebtService = monthlyDebtService * 12$845.49 * 12$10,145.93
Monthly cash flow
monthlyCashFlow = annualCashFlow / 12$6,516.07 / 12$543.01
Annual cash flow
annualCashFlow = annualNOI - annualDebtService$16,662.00 - $10,145.93$6,516.07
DSCR
dscr = annualNOI / annualDebtService$16,662.00 / $10,145.931.64
Cash required
totalCashRequired = purchasePrice * downPaymentPct + adjustedRehabCost + closingCosts + reserves$210,000.00 * 25.00% + $19,800.00 + $6,300.00 + $0.00$78,600.00
Cash-on-cash return
cashOnCashReturn = annualCashFlow / totalCashRequired$6,516.07 / $78,600.008.29%
Cap rate
capRate = annualNOI / purchasePrice$16,662.00 / $210,000.007.93%
Gross yield
grossYield = annualGrossRent / purchasePrice$30,600.00 / $210,000.0014.57%
Warnings
- Demo only. Sample values, not live underwriting.
Expected failure reason
This scenario is intended to clear the current recommendation gates.
Recommendation blockers
- No recommendation blockers on this scenario.
Assumptions snapshot
Purchase price
$210,000
Rehab budget
$18,000
Monthly rent
$2,550/mo
Nightly rate
Not provided
Occupancy
Not provided
Holding timeline
6 months
Interest rate
5.0%
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
- Rental scores highest because it projects $543/mo cash flow, 8.3% cash on cash return, and 1.64 DSCR.
- Verdict is Buy because Rental clears the recommendation gates. Balanced preset clears with 8.3% cash on cash return and $543/mo cash flow at 1.64 DSCR.
- Trust is weakest because comp support is still thin at 5 usable comps.