Property Information
Total properties in your portfolio
Average units per property
Average rent charged per unit
Used to calculate property value increase from NOI improvement
Cashflow Underwriting - Expanded Approvals
Beyond Traditional Credit Scoring
- Identify "invisible primes": Our cashflow underwriting analyzes bank statement transactions to reveal lifestyle and income patterns that VantageScore misses - finding qualified applicants who look riskier than they actually are.
- Increase approvals by 5-30% depending on your current screening criteria by enhancing VantageScore with real financial behavior data.
- Larger qualified tenant pool means you maintain higher average occupancy rates, especially during soft markets and competitive leasing periods.
- Reduce losses by 4-25% through better credit decisions that combine traditional scores with actual cashflow analysis.
Increase in approvals from cashflow underwriting (range: 5-30%)
Decrease in bad debt through improved underwriting (range: 4-25%)
Calculation Method
- Larger Qualified Pool: More approved applicants means you maintain higher average occupancy, especially during soft markets and competitive leasing periods
- Occupancy Improvement: Calculated as Approval Boost % ÷ 20 (e.g., 20% approval boost = 1% occupancy improvement)
- Incremental Revenue: Occupancy Improvement % × Total Units × Annual Rent per Unit
- Loss Reduction: Better credit decisions reduce bad debt by your specified percentage
Bad Debt Reduction
Current percentage of revenue lost to bad debt (typically 2-5%)
Eve's Fraud Prevention
- Eve is our AI agent that conducts deep research on applicants and gathers additional information to identify and prevent fraud before it happens.
- 60% reduction in bad debt through Eve's proactive fraud detection and verification
Cashflow Underwriting Loss Prevention
- Additional reduction in losses by making better credit decisions with bank statement analysis
- Combined Impact: Eve prevents fraud, cashflow underwriting prevents credit defaults
Occupancy Improvement
Your current average occupancy (typical: 90-96%)
Days from move-out to new move-in (typical: 25-40 days)
Time saved with automated screening (typical: 7-15 days)
Why Speed Matters
- 66% of renters apply to multiple properties (Zillow). Faster approval means you secure qualified tenants before competitors do.
Calculation Method
- Annual Vacancy Loss: Total Units × (100% - Occupancy %) × 365 days × Daily Rent
- Recovered Revenue: Improved lease-up speed reduces vacancy days, recovering lost rent
- Formula: (Total Units × Vacancy %) × (Days Reduced / Days to Lease) × Annual Rent per Unit
Labor Cost Reduction
The Hidden Cost of Manual Processing
- Applications require hours of back-and-forth: calling applicants for missing information, following up on documents, updating applicants on their status, and coordinating move-in details.
Percentage of units that lease per year (typical: 30-50%)
Average applications reviewed before signing a lease (typical: 2-4)
Staff time to process each application (typical: 3-5 hours)
Blended rate for leasing/admin staff (typical: $25-35/hr)
Calculation Method
- Annual Leases: Total Units × Turnover %
- Annual Applications: Annual Leases × Applications per Lease
- Current Labor Cost: Applications × Hours per App × Hourly Rate
- Savings: 100% of manual processing time eliminated through automation
Your Results
Incremental Occupancy Revenue
$0
Bad Debt Savings (Eve + Cashflow)
$0
Occupancy Improvement Savings
$0
Labor Cost Savings
$0
Total Annual NOI Increase
$0
Property Value Increase
$0
Want to Validate These Numbers?
- Run a Two Dots Acquisition Intelligence backtest using your own historical data to prove these projections.
- See exactly how our solution would have performed with your actual applications, approvals, and lease conversions.
- Contact us to set up your custom backtest analysis.