Question 1

How accurate are the AI renovation and construction estimates, really?

Accepted Answer

They're a scoped starting point, not gospel. Estimates are built from property type, vintage, square footage, build spec and regional cost data — hard costs, site work and soft costs for ground-up projects — and the underwriting logic comes from 25 years of real estate lending: over $2 billion funded, including $300M+ in Fix & Flip and ground-up construction in the last five years. Every line item is editable, so once your GC bids, the model becomes yours.

Question 2

Where does your property, lot and comp data come from?

Accepted Answer

Public records and local comparable sales feed the property profile and ARV validation, with the source and date shown on every pulled field. For ground-up deals that includes lot records and new-construction comps. Where data is thin — rural markets, unrecorded sales, few recent builds — the tool tells you it's thin instead of quietly inventing a number.

Question 3

How do you handle ground-up permits, entitlements and entitlement risk?

Accepted Answer

The model separates pre-construction costs from hard costs and lets you budget for permits, plan check, utility connections, impact fees and any entitlement work. We also flag schedule risk in the AI assessment: if your pro forma assumes a 60-day permit window in a city averaging 5 months, you see it before you lock the lot. You can still override the defaults with your architect's or expeditor's actual timeline.

Question 4

What contingency should I budget on a ground-up build?

Accepted Answer

We recommend a 10-15% hard-cost contingency on typical ground-up builds, and higher in distressed lots, hillside sites, or areas with aging utility infrastructure. The tool applies a default contingency based on the property profile and lets you adjust it. More importantly, it shows you how a 5%, 10% or 20% cost overrun changes your Loan-to-Cost, interest reserve, and profit margin in real time.

Question 5

What happens if the build schedule slips?

Accepted Answer

Schedule slippage is usually a margin killer, not just a timeline issue. Every extra month of carry adds interest, insurance, taxes, and utilities. You can model a 30, 60 or 90-day delay, see the new completion date, and watch the total interest reserve draw down. The scenario engine also shows where your break-even sale price lands if the build slips and the market cools at the same time.

Question 6

How do construction draws and loan-to-cost work in the model?

Accepted Answer

You can set your total construction loan, interest rate, points, and draw schedule — typically monthly or milestone-based. The tool calculates interest on drawn balance as you fund site work, foundation, framing, and finish. It also tracks loan-to-cost against total project cost, so you know before you start whether the deal has enough cash in the capital stack to finish the build.

Question 7

I already have a spreadsheet that works. Why switch?

Accepted Answer

Your spreadsheet is probably fine at math and terrible at memory. It doesn't hold your pipeline, doesn't flag that you're over-improving for the block, doesn't re-run 12 scenarios in 20 seconds, and doesn't produce a report your lender will read. If you analyze fewer than one deal a quarter, keep the spreadsheet. If you're competing for deals on speed, four minutes versus three hours is the whole game.

Question 8

What happens to my projections if the market turns or the build slips?

Accepted Answer

That's exactly what scenario modeling is for. Drop your ARV 5% or 10%, push the hold or build period out two months, run rehab or hard costs 20% over, delay permits a quarter, and see the ROI, Cash on Cash and profit margin land in real time. The AI risk assessment specifically flags deals whose margin only works in a rising market — the ones that hurt most when it isn't.

Question 9

Does this replace my lender or my own underwriting?

Accepted Answer

No. It's a co-pilot, not an approval. It tells you whether a flip or ground-up build is worth pursuing and hands you a clean, defensible analysis to bring to your lender or capital partner — including how high leverage, high loan-to-cost, draw schedules and interest reserve change your returns. Final diligence and the lending decision stay where they belong.

You're one bad budget away from building for free.

Every number that decides whether this flip or build pays you

Know your all-in basis before you offer

Rehab and hard-cost budgets that survive a GC

Carrying costs that stop eating your profit

Price RTL and construction debt like the lender

Defend your ARV with local comps

Stress-test the deal in one drag

AI risk assessment that says the quiet part

Reports your lender and partners take seriously

From address or empty lot to answer in four steps

Enter the property or lot

Let the co-pilot scope it

Structure the capital stack

Get the verdict

Stress-test the deal before you make an offer

Deal inputs

ARV sensitivity

Renovation cost sensitivity

Screen the lender panel against your profile — not a rate sheet

Sponsor & project profile

Trentium Capital

Meridian RTL Capital

Harbor Point Lending

Summit Private Credit

Cornerstone Build Finance

Atlas High-LTC Partners

Every new build gets its own underwriting report

Assumptions

Cost stack

Timeline & schedule risk

Projected profitability

Flippers and builders who stopped guessing

Costs less than one bad month of holding costs

Starter

Pro

The skeptical questions, answered

The next flip or build on your desk is either a payday or a lesson.