Illustrative sample — not a customer result. The address and all financial inputs below are editable demonstration assumptions. They are not verified property facts, an appraisal, a lender decision, or investment advice.
Sample Decision Memo
Pass at this price. Keep the deal alive below the ceiling.
1700 W Erie · Philadelphia · asking $265,000
What should I offer?
$236,000
Under the selected sample targets · cash flow ≥ $750/mo · DSCR ≥ 1.25
The asking price is $29,000 above this target-dependent ceiling.
Binding
Cash flow ≥ $750/mo
Next constraint
DSCR ≥ 1.25
Screening range
$202,000–$273,500
If rent ±5%, rate ±0.5 points, vacancy ±2 points.
Calculated from the targets shown. This is not a recommended offer.
Base economics at asking
Monthly cash flow
$554
Cap rate
9.33%
Cash-on-cash
10.91%
DSCR
1.52
Screening Index 81/100 · secondary deterministic screen, not a probability, appraisal, or lender approval.
What could break the decision?
Rent: $3,050/mo is a scenario assumption; a signed lease or rent roll could move the ceiling materially.
Financing: 6.6% at 20% down is not a quote. Rate, points, PMI, and reserves can change cash flow and DSCR.
Operating costs: taxes, insurance, vacancy, maintenance, management, and CapEx are screening inputs—not verified bills or bids.
What should I verify next?
1. Income: confirm contract rent, concessions, utilities, and current occupancy.
2. Debt: obtain a written investor-loan quote with rate, points, DSCR definition, escrows, and reserve requirements.
3. Property costs: verify post-transfer taxes, insurance, inspection findings, and near-term capital work.
Methodology and scope
Generated from the shared 1700 W Erie fixture using TrueCap Underwriting Standard v1.0. The same deterministic fixture powers the homepage preview and opened sample analysis.