/property-investor and /property-full endpoints run five independent investment models. Each produces a score (0–100), detailed projections, and a plain-language verdict.
Fix & Flip
ARV sourced from RentCast value high, minus rehab costs, holding costs (6 months), and closing costs (8%). Returns projected profit, ROI %, and MAO via the 70% rule. Key outputs:projectedProfit, roi, mao, arvEstimate, rehabCost
Co-Living
Per-room rent vs. single-tenant rate, scaled by bedroom count. Returns rental premium %, break-even occupancy, and projected annual revenue. Key outputs:perRoomRate, rentalPremium, annualRevenue, breakEvenOccupancy
Subject-To
Reverse-engineers the original mortgage using FRED historical rates by sale year. Returns estimated remaining balance, original rate, PITI, and rate-lock advantage vs. current market. Key outputs:estimatedRemainingBalance, estimatedOriginalRate, monthlyPITI, rateLockAdvantage
Short-Term Rental (STR)
Estimates nightly rate from walkability, median income, and bedroom count. Projects annual revenue at estimated occupancy. Compares STR vs. LTR NOI directly. Key outputs:estimatedNightlyRate, estimatedOccupancy, projectedAnnualRevenue, strPremiumVsLTR
BRRRR
75% LTV refinance model. Returns cash left in deal after refi, monthly cash flow, and cash-on-cash return (infinite if full pull-out achieved). Key outputs:refiAmount, cashLeftInDeal, monthlyCashFlow, cashOnCashReturn
Derived Metrics
Calculated on every investor call regardless of strategy:| Metric | Description |
|---|---|
| Cap Rate | NOI ÷ property value |
| GRM | Price ÷ annual gross rent |
| 1% Rule | Monthly rent ÷ purchase price |
| DSCR | NOI ÷ annual debt service |
| $/SqFt | Value estimate ÷ square footage |
| Value vs. Neighborhood | % below/above median home value |