FOR REALTORS

Buyer prequalification for realtors

Know a buyer is financeable before you give up a weekend, write an offer, or wait on a lender who isn’t answering. Underlytix reads buyer strength in about 60 seconds so you show homes with confidence.

Check a Buyer Free Realtor Portal
THE PROBLEM

Why realtors lose time to unqualified buyers

1

Weekends spent on tourists

You block a Saturday, drive three neighborhoods, and the buyer was never fundable at the price they wanted. The financing question got answered too late.

2

Offers that fall apart

An accepted offer collapses in underwriting because DTI or reserves never actually worked. Your seller is back on market and your reputation takes the hit.

3

Lender unreachable

It’s Friday night or a holiday, the buyer wants to write, and no loan officer is picking up. You either guess or lose momentum.

HOW UNDERLYTIX SOLVES IT

A readiness read before you commit time

1

Enter the basics 60 seconds

Income, debts, down payment, target price, and property type. No credit pull, no application, no lender required.

2

Underlytix scores financeability

Full PITIA payment, DTI, and reserves are modeled against real program thresholds — conventional, FHA, VA, and DSCR for investment buyers — not a rule of thumb.

3

Get a clear read show / adjust / pass

Fundable at this price, fundable at a lower price, or not yet — with the specific gap named. You decide whether to book the showing.

EXAMPLE OUTPUT

What the readiness read looks like

Buyer: $420,000 target, conventional

Result: Fundable at $385,000, tight at $420,000. Front-end DTI clears; back-end DTI hits 46% at the target price because of an auto loan and student debt. Dropping price to ~$385K or clearing the $480/mo auto payment brings it into range. Reserves adequate. Program fit: conventional or FHA.

You now know to show the $360–390K band, not the $420K listings — before you lose the Saturday.

READINESS CHECK VS WAITING ON A LENDER

Where a pre-showing read fits

Underlytix readiness readWaiting on lender preapproval
Speed✓ ~60 seconds, self-serveHours to days, depends on availability
After hours / weekends✓ Always on✗ Loan officer must be reachable
Credit pull required✓ NoUsually yes
Binding approval✗ No — it’s a readiness signal✓ Yes, subject to underwriting

Underlytix does not replace a lender preapproval — it tells you whether pursuing one is worth everyone’s time. Pair it with lender-fit analysis to point the buyer at programs they actually qualify for, or see the full method in the DSCR guide. For investor buyers, start with investor financing analysis.

COMMON QUESTIONS

Realtor buyer prequalification questions

What is buyer prequalification for realtors? ▾
It is a fast, upfront check of whether a buyer can actually finance a purchase at a given price — based on income, debts, down payment, and program fit — done before you invest time in showings or an offer. Underlytix produces this readiness read in about 60 seconds without a credit pull or a loan application.
Can a realtor show property without a preapproval letter? ▾
Yes. There is no legal requirement for a preapproval letter to show a home, though many agents prefer some proof of financing before investing time. A readiness read from Underlytix gives you that signal instantly when a lender preapproval is not yet in hand or a loan officer is unavailable.
How does Underlytix evaluate buyer readiness? ▾
It models the full PITIA payment, debt-to-income ratio, and reserves against real financing thresholds for conventional, FHA, VA, and DSCR programs, then returns whether the buyer is fundable at the target price, at a lower price, or not yet — naming the specific constraint.
Is Underlytix a replacement for a lender preapproval? ▾
No. Underlytix is pre-application intelligence, not a commitment to lend. A lender preapproval still requires a credit pull and underwriting. Underlytix tells you whether pursuing that preapproval is worth the buyer’s and your time.
Can Underlytix help when a mortgage broker is unavailable? ▾
Yes. That is one of its most common uses. When it is after hours, a weekend, or your loan officer is not answering, you can still get an objective read on buyer strength in about a minute and decide whether to move forward on an offer.

Stop showing homes blind.

Run a buyer through Underlytix before the showing and know exactly where they stand — no waiting on a callback.

Check a Buyer Free