See the work.
Then bring your own question.

THE CALCULATION

1.20 DSCR

$3,000 ÷ $2,500 = 1.20

Monthly rent is 1.20 times the full monthly payment entered.

What to check next

1. Confirm the rent figure and full housing payment.
2. Inspect the lender’s current calculation method and requirements.
3. Review the remaining file requirements with the lender.

If rent were $2,400 with the same payment, the ratio would be 0.96. Neither result is an approval or a lender match.

THE WORK

Start with the documentation question.

Prepared research brief: one year of tax returns is available. The income history, occupancy, loan program and lender are not yet specified. Start by checking those facts, then inspect the applicable guideline section and effective date. No lender fit is established by this example.

1. Clarify: business and income history, occupancy and requested loan program.
2. Research: the applicable agency or lender documentation requirement.
3. Verify: current source, effective date and lender overlays.

THE WORK

See the offer and its limits together.

A special includes the lender, program, expiration and source. Confirm that the file meets the offer’s terms before using it.

1. Program
2. Expiration
3. Source

THE WORK

Build the question around the household.

Prepared research brief: a first-time buyer is looking in California and needs help with cash to close. County, household size, household income, purchase price and first-mortgage type are still missing. Cal needs those facts before a useful program comparison. This example does not identify an eligible program.

1. Collect: county, household size and income, purchase price and first mortgage.
2. Compare: assistance amount, repayment, funding status and allowed combinations.
3. Verify: current terms with the program administrator and lender.

Missing facts remain unknown. A program appearing in a directory does not establish eligibility.

THE WORK

Compare the terms line by line.

Review the available pricing source, timestamp and adjustments. Pricing is in beta; provider and snapshot limitations are shown in the tool. This is not a live quote.

1. Source
2. Timestamp
3. Adjustments

THE WORK

The starting ratio is 0.9375.

That ratio is arithmetic, not an eligibility verdict. Deal Saver investigates documented alternatives and shows the evidence and conditions to check for each path.

1. Starting facts
2. Possible changes
3. Evidence

THE WORK

Read the condition in context.

The tool helps interpret the report and organize follow-up. Its explanation does not replace the AUS findings or the lender’s requirements. No document is uploaded in this example.

1. Finding
2. Explanation
3. Follow-up

THE WORK

Surface the missing evidence.

Review project facts and the questions that remain before choosing a review path. A readiness screen is not a project approval.

1. Project facts
2. Review path
3. Missing evidence

THE WORK

Put the subject beside the evidence.

Inspect comparable properties, adjustments and the range in the report. Change your own inputs only after signing in. A software valuation opinion is not an appraisal.

1. Subject
2. Comparables
3. Range

THE WORK

Organize the tradeoffs.

Bring the paths, supporting sources and questions into a borrower-facing explanation. Review the draft and verify terms before sharing it.

1. Paths
2. Tradeoffs
3. Borrower draft

THE WORK

Separate the rate from the cost.

Compare the document details and explain the cost differences. The result depends on the uploaded estimates; this prepared example contains no borrower documents.

1. Rate
2. Points and credits
3. Closing costs

THE WORK

Inspect the call and the record.

Review the dated market study, its stated limits and the recorded outcomes. Pulse is in beta. This example does not provide a current market call or a lender rate.

1. Study date
2. Market context
3. Track record

THE WORK

Make the next conversation useful.

Organize the financing questions and documents to discuss with a licensed originator. A general explanation is not a preapproval.

1. Buyer question
2. Explanation
3. Next conversation

THE WORK

Explain what to look for.

Bring your question or document after signing in. Cal can help explain the context, while a licensed professional verifies the terms and decisions.

1. Question
2. Document context
3. Follow-up

THE WORK

Keep the assumptions beside the estimate.

The tool organizes an affordability estimate around the inputs you provide. The estimate is educational, not a quote or a preapproval.

1. Income and debts
2. Down payment
3. Assumptions