.), and it returns a full underwriting breakdown:Base / downside / upside returnsP&L, DSCR, CoC, sensitivity tablesFlood + insurance risk for FloridaNext-step checklist and “what would change my mind” summaryIt uses conservative defaults (7.11% 30-yr @ 75% LTV, 5% vacancy, 3% expense growth, etc.) and calls out when you should check with a CPA, appraiser, or attorney.You can try it here on ChatGPT by searching for “BRRRR Brain” in the GPTs section.TRY IT OUT HERE!

You don’t have to go into personal details — just keep it simple:“I’ve been appointed by the county probate court as conservator for [Mother’s Name].

.), and it returns a full underwriting breakdown:Base / downside / upside returnsP&L, DSCR, CoC, sensitivity tablesFlood + insurance risk for FloridaNext-step checklist and “what would change my mind” summaryIt uses conservative defaults (7.11% 30-yr @ 75% LTV, 5% vacancy, 3% expense growth, etc.) and calls out when you should check with a CPA, appraiser, or attorney.You can try it here on ChatGPT by searching for “BRRRR Brain” in the GPTs section.If you want cold, math-driven underwriting instead of hype, it’s worth testing.TRY IT OUT HERE!

Get really good at running flip numbers (doesn't have to be perfect, just conservative + buffers) 5.

Hi @Stan Koper I lean conservative, It is very unlikely I would vote for newly elected mayor of NYC in my life time.

Quote from @Eduardo Cambil: Hey everyone We recently acquired a single-family rental in Decatur, IL through an Agreement for Deed, and now that it’s stabilized and rented, we’re looking to refinance into a DSCR loan.Here are the key numbers:Purchase price: $56,900Current balance: ≈$50,900Market value (conservatively): ≈$75,000Monthly P&I payment: $729Rented for: $1,200/month (Section 8-qualified)DSCR ≈ 1.65Property in great shape — fully rehabbed, turnkeyOur LLC (Wyoming-based, multi-member with EIN) holds the property, and all payments are current and verifiable through escrow.We’re simply trying to find lenders who can refinance small-balance DSCR deals (under $100K) — ideally allowing payoff of the existing land contract and providing a clean title.If you’re a lender, broker, or know someone specializing in this space (Midwest, small-balance DSCR), I’d love to connect and hear your terms.Thanks in advance to anyone who’s done similar deals or can point me in the right direction — happy to share full details privately or through DM.– EduardoC&T Global Solutions LLC (WY) you would be much better off going to a local lender/bank for something of this size.

I’m also being more conservative with underwriting, paying close attention to cap rates, cash-on-cash returns, and potential long-term maintenance.

This is relying on a 35% expense ratio, which I believe many would argue is conservative and should be higher.Round Number Case Study:$12,000 Monthly Collected rent$4,200 Monthly Expenses (35% Assumption)$7,800 NOI$7,800/$500,000 = 15.6% cap rate

Our guidelines are relatively conservative, so thankfully our borrowers are already bringing good deals that we want to loan on. 

It shows you understand landlord responsibilities.Be Prepared for Adjustments: The lender will likely use the more conservative "whole-property" rent number for their final DSCR calculation.