Doesn't meet your targets at asking.
Illustrative sample — not a customer result. The address and every input below are illustrative assumptions, not verified property facts.
Offer Ceiling
$236,000Sample targets · cash flow ≥ $750/mo · DSCR ≥ 1.25
The asking price is $29,000 above this 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.
The highest price that still meets Sample targets under the assumptions shown.
Base economics at asking
- Monthly cash flow
- $554
- Cap rate
- 9.3%
- Cash-on-cash
- +10.9%
- DSCR
- 1.52
Deal score 86/100 · a heuristic summary of the modeled numbers.
What a decision memo is
A decision memo is the written form of an analysis: the answer at asking price, the Offer Ceiling with the targets that produced it, the cash flow after reserves and the DSCR that drove the verdict, the inputs most likely to change the outcome, and what to verify before you offer. For an investor, it is what you hand your lender or partner. For an agent, it is what your investor client receives: the numbers and the reasoning travel together, under your name, and the client can rerun the deal with their own numbers in the free analyzer. This page is a sample, computed from the sample deal by the same engine that runs every analysis. The share link and the PDF for a real deal are laid out differently.
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 TrueCap's sample deal using the TrueCap Underwriting Standard v1.3. Targets: Sample targets. The same sample powers the homepage preview and the opened sample analysis.
Review the methodology