“Caught a 0.92× DSCR before signing — re-traded and saved a $30K mistake.”
Single-family investing is a numbers game, and the numbers need to be right on the first pass. AssetForge Underwriter runs SFR deals — long-term rentals, short-term rentals, DSCR loans, and BRRRR conversions — with the same rigor institutional lenders apply. Drop in a property photo, the purchase price, and a rent estimate and get a full 15-page analysis back in under two minutes.
The report covers DSCR at multiple loan scenarios (typical DSCR lender terms), cash-on-cash ROI, cap rate, 5-year cash flow projection, and whether the rent supports the price at current DSCR lender guidelines (1.00× to 1.25× depending on program).
We publish one full reference report so you can read every section before you upload anything. The structure is identical for sfr / dscr deals — the same 14 sections, the same depth, the same lender-ready output.
Models 1.00×, 1.10×, and 1.25× DSCR programs — tells you the max LTV you'll actually hit at each tier.
If you're weighing short-term versus long-term rental, the report runs both pro formas side-by-side with realistic STR expense ratios.
Rehab budget + ARV + refinance at 75% LTV — does the cash-out cover the all-in cost? The report shows you in one page.
Stress-tests whether the listed rent is achievable against market comps — and flags if the proforma rent is aggressive.
Our SFR underwriting service handles long-term rentals, short-term rentals (Airbnb / VRBO), DSCR loans, and BRRRR rehabs in one workflow. Each scenario gets its own pro forma, expense-ratio assumption (STR is materially higher than LTR), and lender-perspective DSCR. The report identifies which DSCR-loan program (1.00×, 1.10×, 1.25×) the deal qualifies for and at what max LTV.
Our SFR DSCR analysis stress-tests pro-forma rent against the local market — if the listed rent is 8% above comps, we flag it. DSCR is computed at three program tiers (1.00×, 1.10×, 1.25×) so you see your max LTV at each, and the report explicitly walks through how a DSCR lender will view the loan-to-rent multiple.
SFR financing eligibility depends on credit profile, property condition, and rental potential — not always SBA. Our eligibility module screens against the major DSCR-lender boxes (Visio, Kiavi, RCN, Lima One), conventional NOO, and post-rehab BRRRR cash-out refi at 75% LTV. The report explicitly flags which lender type fits this specific deal.
Yes. STR deals are modeled with higher expense ratios (cleaning, platform fees, furnishings), seasonal revenue, and a stress-test for occupancy shortfall. The report tells you what LTR rent you'd need if STR regulations change.
Yes — input the rehab budget and estimated ARV and the report walks through acquisition, rehab, refi, and ongoing cash flow. It tells you the real all-in cost and whether the refi cashes you out.
Partially. The analysis focuses on rental underwriting. For flips you'll still want a separate rehab budget and ARV comp review, but the report covers the stabilized-rental fallback scenario in case the flip doesn't sell.
Plain-English explainers covering the formulas, eligibility rules, and risk flags that drive sfr / dscr deals.
How DSCR lenders compute the ratio — and what counts as "rent" vs "income."
Read guide →Net operating income for single-family — what to include, what to exclude.
Read guide →Why SFR cap rates move 100bps faster than multifamily — and how to underwrite for it.
Read guide →Start with a free Go/No-Go screen. Upgrade only if the deal looks real.
AI-generated informational analysis only — not financial, legal, lending, or appraisal advice. Not a substitute for a licensed MAI-certified appraisal or professional due diligence. All figures, projections, and market estimates must be independently verified by qualified professionals before any capital decision is made.