Residential Underwriting Engine v1.1

ARV: N/AWholesale MAO: N/ANovation MAO: N/AStatus: N/AComplete: 0%

00Try it in 60 seconds

No account, no upload, nothing sent anywhere. Your deal lives in the page and in the share link only.

Step 1

Load a sample. Click Sample A, B, or C above.

Step 2

Change ARV. Edit ARV low or high in Section 01.

Step 3

See MAO move. Wholesale and Novation MAO update in Section 09 and in the bar above.

Then clear it and enter a real deal, or copy the share link to send a deal to someone else to review.

01Subject property

Address and parcel must be verified against at least 2 public sources before any number is used. Unverified means HOLD.

Street address

Parcel ID

GLA, above-grade SF (public record)

Year built

Beds

Baths

Property type

Occupancy

ARV range

ARV low ($)

ARV high ($)

02Sold comps, usable

Minimum 3 usable sold comps. Vacant of hallucination: every comp needs a price, a sale date, a similarity score, and a full source URL. A row is counted usable only when all five fields are filled.

Comp address	Sale price ($)	Sale date	Similarity 0-100	Source URL

03Rejected comps

Every rejection needs a reason. Flips resold within 12 months without documented rehab, distressed sales without adjustment notes, non-arms-length sales, and unverifiable closings are rejected, not averaged in.

Comp address	Reason for rejection

04Rental evidence

Grade A is a signed lease in hand. B is a listed rent with a verifiable listing. C is a market rent estimate from a named source. D is a seller claim only, labelled lease proxy, never used as proven income.

Rental truth grade

Market rent ($/mo)

Proven rent ($/mo)

05Repair engine

Fallback matrix, Midwest starting point, per above-grade SF. Replace with local bids as soon as you have them. Low and High are a planning band around Base and can be edited.

Full Gut $70 | Heavy $40 | Moderate $25 | Light $15 | Super Light $5 per above-grade SF

Condition tier

Above-grade SF

Rate used ($/SF)

Repairs low ($)

Repairs base ($)

Repairs high ($)

Required buckets on every scope: roof, HVAC, plumbing, electrical, kitchen, baths, flooring, exterior/paint, structural/foundation, site/drive. A scope with an empty bucket is incomplete.

Repair notes (buckets, bids, photo evidence)

06Market buy percent

Hard cap 72 percent. If you enter more, the tool caps it at 72 and shows a warning. Never back-solve buy percent from a desired MAO.

Final buy percent (%)

Buy percent used, after cap (%)

Wholesale MAO = (ARV x Final Buy %) - Repairs - $30,000
Novation MAO = ((ARV - Repairs) x 90%) - $30,000

07Gates, fail closed

Any failed gate means HOLD. MAO is then shown only as a held number, never as a usable offer number. Authority is always no offer without Jeramie unless a human approval record is attached.

Confidence (0.00 to 1.00)

Exit fit

08Kill-switch and overlays

Check any condition that applies. A kill means the recommendation is PASS. A kill is a successful run, not a failed one.

Rural / legacy triggers

09Results

Completeness

0% complete.

ARV range

N/A

Repairs, base

N/A

Wholesale MAO range

N/A

ARV x Buy % - Repairs - $30,000

Novation MAO range

N/A

(ARV - Repairs) x 90% - $30,000

10Receipt

Generated from the inputs above. Fields match underwriting_receipt.schema.json. Offer authorized is always false in this tool. The receipt is evidence, not an offer.

{}

Assumptions and missing data

10One-page summary

Print this section. It fits on one page where possible. It is a summary of the receipt, not an offer.

11System prompt

The full SYSTEM_PROMPT_v1.1.md text is embedded in this file for copying. Use the Copy system prompt button above. It is not sent anywhere by this tool.

Show system prompt text

12How it works, and what this is not

How it works. Enter verified facts with sources, pick at least 3 usable sold comps, grade the rent, pick a repair tier, enter a buy percent. The tool computes repairs from the fallback matrix, caps buy percent at 72, and computes Wholesale MAO and Novation MAO from the exact formulas. Gates fail closed. A kill means PASS. The receipt records what was entered, what passed, and what was N/A.

What this is not. Not an appraisal. Not a survey. Not legal, tax, or lending advice. Not a guarantee of value, rent, repairs, or a sale. Not an offer. A high MAO does not mean a deal is good, and a PASS does not mean a property is bad. It means the evidence in this run does not support proceeding on the stated exit.

Sharing. Copy share link encodes the deal in the URL hash. Anyone opening that link sees the same inputs and the same math, in their own browser. Nothing is uploaded. Clear share link removes the hash.