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  <url><loc>https://underlytix.com/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://underlytix.com/realtor</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://underlytix.com/for-investors</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://underlytix.com/lender</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Integration & Developer Pages -->
  <url><loc>https://underlytix.com/integrations</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://underlytix.com/developers</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- AI Agent Pages -->
  <url><loc>https://underlytix.com/deal-analysis-agent</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://underlytix.com/capital-readiness-agent</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://underlytix.com/lender-match-agent</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://underlytix.com/risk-analysis-agent</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://underlytix.com/investor-agent</loc><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Comparison Pages -->
  <url><loc>https://underlytix.com/underlytix-vs-pre-approval</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/underlytix-vs-mortgage-calculator</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/underlytix-vs-underwriting</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/underlytix-vs-loan-officer</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Financing-Type / Geo Landing Pages -->
  <!-- 2026-09-16: switched from .html to extensionless URLs to match each page's own <link rel="canonical"> tag.
       Bing's Live URL test confirmed the .html form is refused with "URL is not indexable as the page is an
       alternate version of the similar page which you have specified as canonical" — the sitemap was pointing
       search engines at a URL every one of these pages tells them NOT to index. The extensionless form tested
       "URL can be indexed by Bing" (green) on live re-check. Netlify serves both paths for the same file, so no
       redirect/file change was needed, only this sitemap correction. -->
  <url><loc>https://underlytix.com/fix-and-flip-financing-broward</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/fix-and-flip-financing-miami-dade</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/fix-and-flip-financing-palm-beach</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/dscr-rental-loans-broward</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/dscr-rental-loans-miami-dade</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/dscr-rental-loans-palm-beach</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/hard-money-lender-fort-lauderdale</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/hard-money-lender-miami</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://underlytix.com/hard-money-lender-west-palm-beach</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Market Context -->
  <url><loc>https://underlytix.com/dscr-qualification-tightening-2026</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Legal -->
  <url><loc>https://underlytix.com/terms</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://underlytix.com/privacy</loc><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url>
    <loc>https://underlytix.com/dscr-guide</loc>
  </url>
  <url>
    <loc>https://underlytix.com/realtor-buyer-prequalification</loc>
  </url>
  <url>
    <loc>https://underlytix.com/investor-financing-analysis</loc>
  </url>
  <url>
    <loc>https://underlytix.com/dscr-loan-readiness</loc>
  </url>
  <url>
    <loc>https://underlytix.com/cash-on-cash-calculator</loc>
  </url>
  <url>
    <loc>https://underlytix.com/short-term-vs-long-term-rental-analysis</loc>
  </url>
  <url>
    <loc>https://underlytix.com/lender-fit-analysis</loc>
  </url>
</urlset>
