Baltimore, MD 21224
$115,000
2 bd2 ba800 sqft
DSCR
cash flow
ARV
This is the product, on real listings.
Every number below was computed by the same engine a subscriber searches with, over listings that are in the catalog right now. Nothing is mocked up — open any card on Zillow and check it. This page is read-only: saving, filtering and the full underwriting live behind a login.
01
Type a market.
One field, and a nationwide catalog behind it. A subscriber narrows to their own markets and their own buy box; this page is deliberately unnarrowed — the highest-scoring dwellings in the catalog right now, wherever they are, so you can see the range rather than a curated corner of it.
listings shown12
states represented7
most-represented marketDetroit, MI
already underwritten100%
DSCR ≥ 1.25$50,000–$250,0003+ bedsexample buy box
02
Results, already underwritten.
Not a list of links to go price yourself. Every card arrives with the DSCR, the cash flow, the ARV and the deal score already computed — which is the difference between a search tool and an underwriting engine.
03
Open one.
3700 Chestle Pl, Baltimore, MD. The deal page leads with the verdict — the score, what lands in your pocket every month, and a line-by-line check against your own criteria. Every factor opens to the formula behind it.
$598/mo in your pocket
score based on 80% of the deal data
max offer to hit the 70% rule: $94,640 · asking $115,000
meets 2 of 3 of your criteria
- met: price in range
- met: DSCR ≥ 1.25
- not met: 3+ beds
underwriting — financial score 70/100 · location is graded separately, beside the score
full underwriting meets target: DSCR · refi 75%1.89why
NOI $1,273/mo ÷ debt service $675/mo = 1.89. Loan at 75% of the underwriting basis ($101,400) @ 7% / 30 yr. Your target: 1.25.
meets target: cash flow+$598/mowhy
NOI $1,273/mo − debt service $675/mo = +$598/mo, after 5% vacancy plus taxes, insurance, and a 13% maintenance + management reserve.
cap · on purchase13.3%why
Annual NOI $15,273 ÷ purchase price $115,000 = 13.3%. On purchase, not ARV — reads high on value-buys.
ARV$135,200why
After-repair value $135,200 — market value estimate — no sold comps loaded. Range $118,976–$151,424. No comps have been priced against it — treat as a market estimate, not an exit number.
rehab$0why
Rehab estimate $0 (range $0–$0). Feeds the 70% max offer: ARV $135,200 × 0.70 − rehab = $94,640, and asking is over it. Offer $94,640 or less to pass.
04
The memo.
When a deal clears, you get the write-up: rent evidence, the operating summary, an offer ladder, inspection flags and the comparable sales. This is the real thing a subscriber receives.
Underwriting memo
- Verdict & deal score
- Rent evidence
- Operating summary
- Offer ladder
- Inspection flags
- Condition read
- Flood & risk
- Comparable sales
Open the sample memo ↗
The memo is the deliverable. Everything before it — the sweep, the scoring, the filtering — exists so that the only thing left on your desk is a decision.
These are live listings from the catalog, not staged examples — which means one of them may already be under contract or off the market by the time you read this. That is the demonstration: check any address on Zillow and see for yourself. Underwriting figures (DSCR, cap rate, ARV, rent) are modeled from public and licensed data and are not a lender quote, an appraisal, or investment advice.