AI Agent

Capital Readiness Agent

One score. Every factor that matters. Know if your deal is fundable before you approach a single lender, in under 60 seconds.

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The Score

What your Capital Readiness Score measures

Four factors. One score. Scored 0-100 against real lender benchmarks.

📊 DSCR, Debt Service Coverage Ratio

The most important metric for rental property financing. Measures whether the property's income covers its debt payments. Most DSCR lenders require 1.0-1.25 minimum. This factor carries the highest weight in your score.

📐 LTV, Loan-to-Value

The ratio of your loan amount to the property's value. Investment property lenders typically cap LTV at 75-80%. Higher LTV = higher risk = lower score.

💵 Cash-on-Cash Return

Annual pre-tax cash flow as a percentage of total cash invested. Benchmarked against market norms for the property type. Strong cash-on-cash return signals a well-structured deal.

🎯 Lender Fit Score

How well the deal matches available financing products, DSCR loans, hard money, bridge, conventional investment. Deals that fit clean lending categories score higher.

Score Ranges

How to read your score

Score RangeMeaningRecommended Action
80-100Strong, deal is positioned well for financingApproach lenders confidently. Use matched lender list.
65-79Good, qualifies with the right lender or termsReview which factors are dragging the score. Adjust structure if possible.
50-64Marginal, may qualify with niche lendersIdentify the weak metric. Explore deal restructuring before applying.
0-49Unfundable as structuredFix the core issue (usually DSCR or LTV) before approaching any lender.
FAQ

Common questions

What score do I need to get funded? ▾
Generally, scores above 75 indicate a deal that should qualify for standard DSCR or investment property financing. Scores between 50-75 may qualify with the right lender or structural adjustments. Scores below 50 typically signal a fundamental issue with DSCR or LTV that needs to be addressed before any lender will engage.
Can I improve my score before applying? ▾
Yes. The most common score improvements come from: increasing the down payment to reduce LTV, finding properties with higher rent-to-price ratios to improve DSCR, reducing operating expenses in your projection, or targeting loan products with more favorable DSCR requirements (some DSCR lenders will go down to 0.75 for strong borrowers).
Is the Capital Readiness Score used by lenders? ▾
Lenders on the Underlytix platform use Capital Readiness Scores to triage incoming deal submissions. A deal that arrives with a pre-computed score moves faster through the initial review process.

What's your score?

Run any deal through the Capital Readiness Agent in 60 seconds.

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