Before you write the offer, know whether the deal can be funded, how much cash it really takes to close, and which lender program fits. Underlytix answers all three in about 60 seconds.
You can negotiate a great number and still lose the deal because the property does not support the loan, the cash-to-close is higher than expected, or no lender program actually fits. The financeability question usually gets answered last — after inspections, after earnest money, sometimes weeks into underwriting. By then the cost of a “no” is real.
DSCR, cash-flow, LTV, and program fit modeled against real lender thresholds. See DSCR loan readiness for the rental-income test.
Down payment, reserves, closing costs, and rate-buydown scenarios — the true capital required, not a rough guess.
Conventional, DSCR, or portfolio — matched to the deal profile. Detail in lender-fit analysis.
Result: Financeable, DSCR 1.24, tight but bankable. Projected rents cover PITIA at 1.24 using the lender’s vacancy factor — above the common 1.20 minimum. Cash-to-close ≈ $78,400 including reserves. Best fit: DSCR program at 75% LTV. Flag: at 25% down the DSCR rises to 1.33 and unlocks better pricing. Compare the rental strategy in short-term vs long-term rental analysis.
| Check financeability first | Find out in underwriting | |
|---|---|---|
| Time to a go/no-go | ✓ ~60 seconds | 2–3 weeks |
| Earnest money at risk | ✓ Not yet committed | ✗ Often already deposited |
| Cash-to-close clarity | ✓ Modeled upfront | Surfaces late, sometimes at closing |
| Deal fatigue | ✓ Pass fast, move on | ✗ Weeks lost on a dead deal |
Underlytix is analysis, not a lending commitment — no approvals are issued. It tells you which deals are worth pursuing so your time and capital go to the ones that can actually close.
Run the property through Underlytix first. If it can’t be funded, you find out in a minute — not three weeks into escrow.