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AI agent for real estate investors

Rental Deal Underwriting Agent

An honest pro forma that tests a deal against the investor's criteria

AnalysisRisk managementReal estate and construction
See how it worksGet access
Rental Deal Underwriting Agent: what goes in, what the agent does and what you get

What it does

Investors look at many properties and need a quick but honest analysis, since listing numbers are often too rosy. This agent pulls listing details, rent comps, taxes, insurance quotes and the investor's financing terms, and builds a pro forma with rent, vacancy, all operating expenses, capital reserves and debt service. It checks every assumption against market data and the investor's past properties: rent must sit within the comp range, and older properties need expenses of at least 35% of rent. Assumptions out of range are reset and noted. It then calculates cash flow, cap rate and cash-on-cash return and compares them with the investor's buy criteria. The investor decides to offer or pass. Edge case: properties under rent control get capped rent growth in every year of the projection.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Property added 2 USES A TOOL Pull listing, comps, taxes and insurance 3 DOES Build pro forma 4 CHECKS THE RESULT Are assumptions within market and past ranges? If not: reset to range and note. Back to step 3. 5 DOES Calculate returns 6 CHECKS THE RESULT Do returns meet the investor's buy criteria? If not: show the price at which the deal would meet thecriteria. Back to step 5. 7 DOES Prepare the deal summary with every reset noted 8 YOU APPROVE Investor decides to offer or pass 9 RESULT Deal analysis
Read the steps as a list
  1. Property added
  2. Pull listing, comps, taxes and insurance
  3. Build pro forma
  4. Are assumptions within market and past ranges?If not: reset to range and note. Back to step 3.
  5. Calculate returns
  6. Do returns meet the investor's buy criteria?If not: show the price at which the deal would meet the criteria. Back to step 5.
  7. Prepare the deal summary with every reset noted
  8. Investor decides to offer or passThe agent waits here for your OK.
  9. Deal analysis

How it decides

Assumptions must be within market and past-property ranges. Deals are measured against the investor's criteria.

  • Rent within comp range
  • Expenses at least 35% of rent for older properties
  • Capital reserves included

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Buy criteria
  • Vacancy rate
  • Reserve amount
  • Expense ratios

What keeps you in control

It always asks you first

  • Investor decides offers

Hard limits

  • Not financial advice
  • Never makes offers

It stops when

  • Done: analysis ready
  • Stop: listing withdrawn

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA fourplex was listed with $1,650 rents, but comps showed $1,400 to $1,550, so the assumption check failed. The agent reset rent to $1,500 and added a missing $3,600 a year for water. Cash-on-cash fell from 9.2% to 5.1%, below the 7% criterion, so it showed the price that would reach 7%. The investor decided to offer $45,000 below asking.

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