FOR REALTORS

Deal readiness for real estate investors

Know whether a deal will actually fund before you tie up earnest money, pay for inspections, or burn a week under contract. Underlytix reads deal fundability in about 60 seconds.

Check a Deal Free Realtor Portal

THE PROBLEM

Why investors lose deals to financing surprises

Earnest money tied up on a deal that won't fund

You go under contract, order inspections, and pay appraisal fees - then financing falls through in week three because DSCR or reserves never actually worked at this price.

Offers that look strong on paper, weak to a lender

The numbers pencil out in your own spreadsheet, but a lender's DSCR or reserve requirements tell a different story - one you find out about after you're already under contract.

No lender relationship to sanity-check a deal fast

Between finding the deal and needing an answer, there's often no lender available for a same-day gut check - so you either pass on a good deal or move forward blind.

HOW UNDERLYTIX SOLVES IT

A fundability read before you commit earnest money

Enter the deal - 60 seconds

Purchase price, rental income or intended use, down payment, and your other debt. No credit pull, no application, no lender required.

Underlytix scores fundability

DSCR, cash-to-close, and reserve requirements are modeled against real program thresholds - DSCR, conventional, portfolio, and bridge - not a rule of thumb.

Get a clear read - fund / adjust / pass

Fundable as structured, fundable with a specific adjustment, or not yet - with the exact gap named. You decide whether to go under contract.

EXAMPLE OUTPUT

What the fundability read looks like

Deal: $340,000 purchase, DSCR rental

Result: Fundable at 25% down, tight at 20% down. DSCR clears 1.15 at the higher down payment; drops to 0.98 at 20% down because of a conservative market-rent estimate. Adjusting the down payment or verifying rent with a broker opinion brings it back into range.

You now know to structure the offer at 25% down, not 20% - before you're three weeks into escrow.

READINESS CHECK VS WAITING ON A LENDER

Where a pre-offer read fits

	Underlytix readiness read	Waiting on lender preapproval
Speed	Ã¢ÂÂ ~60 seconds, self-serve	Hours to days, depends on availability
After hours / weekends	Ã¢ÂÂ Always on	Ã¢ÂÂ Loan officer must be reachable
Credit pull required	Ã¢ÂÂ No	Usually yes
Binding approval	Ã¢ÂÂ No Ã¢ÂÂ itÃ¢ÂÂs a readiness signal	Ã¢ÂÂ Yes, subject to underwriting

Underlytix does not replace a lender's underwriting - it tells you whether pursuing a deal is worth the earnest money. Pair it with lender fit analysis to point you at programs you actually qualify for, or see the full method in the DSCR guide. Working with a realtor on the deal? Have them run a buyer prequalification too.

COMMON QUESTIONS

Investor deal readiness questions

What is deal readiness for real estate investors? Ã¢ÂÂ¾

It is a fast, upfront check of whether a rental or investment property purchase can actually be financed at a given price and structure - based on DSCR, down payment, reserves, and program fit - done before you go under contract. Underlytix produces this read in about 60 seconds without a credit pull or loan application.

Do I need a lender preapproval before making an offer? Ã¢ÂÂ¾

Not always, but sellers and agents increasingly expect some proof of financing. A fundability read from Underlytix gives you that signal instantly when a full lender preapproval isn't yet in hand or isn't practical on a fast-moving deal.

What financing programs does Underlytix check? Ã¢ÂÂ¾

DSCR, conventional, portfolio, and bridge/hard-money programs, with the specific thresholds for each - minimum DSCR, reserve requirements, and down payment - modeled against your deal.

Does this replace a lender's underwriting? Ã¢ÂÂ¾

No. It is a readiness check that tells you whether a deal is worth pursuing with a lender, not a substitute for actual underwriting. Think of it as the filter before the application, not the application itself.

How is this different from a mortgage calculator? Ã¢ÂÂ¾

A mortgage calculator estimates a payment. Underlytix checks whether the deal actually qualifies under real lender program rules - DSCR thresholds, reserve requirements, and program-specific guidelines - not just whether you can afford the payment.