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RentCast API key

Not set

Bring your own RentCast key for property auto-fill (beds, baths, sqft, year built, market rent). Saved keys are picked up automatically by the address-lookup card on /analyze — click Autofill rent + facts after geocoding to fetch. The key stays in this browser’s localStorage and is sent directly to RentCast from your machine — never to our servers. Get a key →

Verdict thresholds

Run an analysis to see "your last deal" impact bars

Override what counts as Strong vs Marginal vs Skip. Only fields you change are saved — defaults still apply elsewhere. Your overrides are submitted with each /analyze run.

Debt-service coverage (DSCR)

Bank lenders typically require ≥ 1.20–1.25 for non-recourse

Default: 1.25 — DSCR ≥ this clears the Strong DSCR check.
1.002.00
Default: 1.00 — DSCR below this auto-fails the deal to Skip.
0.801.50

Cash left in deal post-refi

A perfect BRRR pulls all your capital out — lower is better

Default: $10,000 — cash left in ≤ this clears the Strong check.
$0$50,000
Default: $25,000 — cash left in ≤ this clears the Marginal check.
$0$75,000

Margin tolerances

How much slack you give the 1% rule and MAO before flipping to Skip

Default: 1.00% — rent/price ratio ≥ this clears Strong.
0.50%2.00%
Default: 10% — within this many percent of 1% rule = Marginal pass.
0%50%
Default: 10% — MAO within this many percent of purchase = Marginal pass.
0%50%

Tax assumptions

Drives the after-tax CoC tile on /analyze. Defaults assume a mid-bracket investor (24% federal) with typical suburban land/building split (20% land). Not tax advice.

Default: 24%. Federal bracket only — state tax not modeled. Used to compute the depreciation tax shelter.
Default: 20%. Coastal/high-COL markets are 30–40%. IRS allows the taxpayer to use a reasonable allocation — check your assessor's land/improvement breakdown.
Stacks on top of federal — TX/FL/NV add 0pp, CA at top bracket adds 13.3pp. Affects depreciation shelter ÷ after-tax CoC.
Advanced depreciation — cost-seg & 100% bonus
Fraction of the building basis reclassified out of the 27.5-year bucket into short-lived (5-yr personal property + 15-yr land improvements) via a cost-segregation study. Typical post-study range 20–35%. Default 0%.

Bonus depreciation is permanent at 100% for property placed in service after Jan 19, 2025 (OBBBA, 2025). Enables the cost-seg-eligible 5-yr + 15-yr buckets to be fully expensed in Year 1. Toggle on if your placed-in-service date qualifies.

Note: the depreciation shelter is realized only if you can deduct it. Passive losses are suspended above ~$150k MAGI unless you qualify for REPS (750-hr material participation) or run the property as a short-term rental with material participation. Consult your CPA — this is not tax advice.

Projection assumptions

Drives the 5y / 10y / 30y IRR + equity build on /analyze. Defaults are US long-run averages (3 / 3 / 3 / 7%). Override when you have market-specific data.

Default: 3%. Annual rent escalation. Austin/Phoenix-class markets often 5-7%; Midwest 1-3%.
Default: 3%. Annual escalation on operating expenses (taxes / insurance / maintenance). Tracks rent unless your county reassesses aggressively.
Default: 3%. Annual increase in property value. Coastal CA/WA 5-7%, Sun Belt 4-6%, Rust Belt 1-2%, declining markets can be negative.
Default: 7%. Agent commission + closing costs at sale. FSBO can drop to 1-3%; full-service 8-10%.