V6 Beta — Founding Slots Open

See the deal as lenders see it.

Real estate investment intelligence built around how lenders actually underwrite deals. Analyze BRRRR and DSCR investments using real lending constraints, refinance viability, reserve requirements, and portfolio-level capital strategy — before capital gets trapped in the wrong deal.


🚀 Already have access? Launch the application →
Live Demo — DSCR Analysis Indianapolis, IN
Market Rent
$1,850
Lender-Qualified Rent (75%)
$1,388
DSCR on lender rent
1.24 ✓ floor 1.20
True cash-to-close
$68,400
💡 ValoraFlow insight: DSCR passes at 1.24 but true cash-to-close includes $14,200 in lender-required reserves your spreadsheet missed. Refi viable at month 9 — not month 6.
✨ Click to see this dashboard inside Beta →
For Investors
Stop guessing.
Avoid the deals that quietly destroy capital.
✗ What investors see on paper
✗ Cash flow at full market rent
✗ DSCR calculated on projected rent
✗ Cash-to-close = down payment + closing costs
✗ ARV based on investor comp analysis
✗ BRRRR refi assumed to work at stabilization
✗ One deal analyzed at a time
✓ What lenders actually underwrite
✓ Lender-qualified rent = 75% of market
✓ DSCR recalculated on that lower number
✓ Plus 6 months PITI reserves required
✓ Lender appraised value — often below investor ARV
✓ DSCR at stabilization + seasoning period carry cost
✓ Portfolio capital recycling across all deals

"Too many investors move forward based on surface-level projections, only to realize later that the loan structure, reserves, refinance timing, or rate sensitivity completely changed their outcome."

— Ebonie B, Lending Consultant · 25 years in investment real estate lending

What ValoraFlow does

✓
Loan structure-specific modeling
5 loan structures simultaneously — DSCR, No-Ratio DSCR, Hard Money Bridge, Construction, Fix & Flip LOC — each with its own DSCR floor and reserve requirement.
✓
Three-tier rent separation
Current rent, market rent, and lender-qualified rent (75% of market) side by side. DSCR calculated on the number that actually determines funding.
✓
True cash-to-close
Includes lender-required 6-month PITI reserves — not just down payment and closing costs. Shows whether you can actually get to the table.
✓
Full BRRRR lifecycle modeling
Seasoning period, bridge carry cost, DSCR at stabilization, lender appraised vs. investor ARV, and equity available to recycle into the next deal.
✓
Vacancy sensitivity stress testing
Multi-level stress tests across all loan structures simultaneously. Shows exactly when DSCR fails the floor — before you make the offer.
✓
Portfolio capital recycling
Visualizes how capital compounds across 5 sequential deals. You're not analyzing one property — you're building a portfolio strategy.

"It allows investors to see their true ROI once real loan terms are applied. Not just projected cash flow — the actual performance of a deal under realistic lending scenarios. Then it becomes more than an analyzer. It becomes a strategic decision engine."

— Ebonie B, Lending Consultant · 25 years in investment real estate lending
Deal 1
Buy → Rehab → Deal 2
Refi → Recycle → Deal 3
Equity grows → Deal 4
Compound → Deal 5
Portfolio

📈 Portfolio capital recycling — see your equity compound across 5 sequential deals

How the soft paywall works

Gate on action, not usage. Free users see matches. Paid users act on them.

Deal result — Indianapolis, IN · DSCR
🔒 Lenders matched 3 lenders  —  First National Bank  Regional Credit Union  Bridge Capital
🔒 Best rate available 6.85%  ·  7.20%  ·  7.45%
🔒 Contact & direct intro lender@firstnational.com  ·  (317) 555-0142
🔒 True cash-to-close detail Total: $68,400  —  Line-item reserve breakdown locked

Unlocked on Pro, Founding, and Power tiers

For Lenders & Brokers
Your borrowers arrive prepared. Fewer surprises at the desk.

What changes for you

✓Borrowers who already understand their DSCR, LTV, and true cash-to-close before the first call
✓Every lead includes full deal analysis — DSCR, ARV, rehab budget, reserve adequacy, and stress test results
✓Your loan products matched automatically to investor deals — by strategy, state, LTV, DSCR, and credit profile
✓Qualified leads arrive — not inquiries. A pipeline built on deals that already pencil before they hit your desk

🏦 Founding Lender slots

Limited founding cohort. Lock in 0.075% success fee permanently — 25% below standard rate. First 10 deals free. You pay nothing until a deal closes.

Founding Lender Rate — Permanent
0.075%
On a $500k deal: standard fee $500 · founding fee $375
First 10 deals free · Priority match · Named in product
Phase 2 Pro Lender tools (opt-in, never forced)

📊 How it works

1
Investor models deal
Against your actual underwriting criteria — DSCR floor, LTV, reserve requirements
2
You see everything
Full deal analysis + intent signal before the investor reaches out
3
Pay on close only
0.1% standard · 0.075% founding. Nothing until the deal funds
4
Phase 2 tools
CRM pipeline, featured placement, volume analytics — opt-in for founding cohort
Pricing — V6 Policy
Two sides. One platform. Pay on outcomes.

Investors pay for decision intelligence. Lenders pay for pre-qualified, stress-tested deal flow. Each side makes the other more valuable.

Investor Tiers

The math is free. Lender introductions are the premium.

Free
$0
  • 15 analyses / month
  • 3 saved deals
  • 1 loan structure
  • Basic stress testing
  • Lender count shown — names & rates locked
  • Demo property library included
No credit card required. One serious deal evaluation per weekday.
Beta
$29/mo
  • 5 analyses / day · 45-day window
  • 15 saved deals
  • All 5 loan structures
  • Full BRRRR lifecycle
  • Full lender matching unlocked
  • Vacancy stress testing — 4 levels
Beta access requires an invite code. Request one →

Pro, Power, and Founding Member tiers are coming. If you're using beta and want to know more, reach out directly.

Lender & Broker Pricing

Pay only when a deal closes. Fee scales with deal size — fair to both sides.

TierPricingIncludedPhase
Starter $0 Listed · Matched deal flow · Full deal analysis on every match · Basic dashboard Beta + Phase 1
Standard 0.1% of loan Everything in Starter · No monthly fee · Pay only on funded deals Phase 1
Founding 0.075% permanent First 10 deals free · 25% below standard · Priority access · Named in product · Phase 2 first cohort Permanent
Pro Lender (Phase 2) $99–$499/mo Priority deal access · Featured placement · CRM pipeline tools · Volume analytics Phase 2

📐 On a $500k deal: standard fee $500 · founding fee $375. Founding lenders save at volume. Grandfathered permanently — Phase 2 Pro Lender is opt-in, never forced on founding cohort.

Referral & Partner Commissions

Earned passively — no formal role or time commitment required.

Referral TypeCommissionDuration
Investor — Pro or Power signup20% of subscription revenueFirst 12 months
Lender / Broker — platform listing20% of monthly listing feeFirst 12 months
Deal close via referred lender10% of success fee earnedPer closed deal

✨ Founding partners who refer investors or lenders receive permanent Power Investor access free of charge.

Frequently Asked Questions

Spreadsheets don't reflect real lender constraints. ValoraFlow models lender-qualified rent at 75% of market, DSCR floors per loan product, 6-month PITI reserve requirements, and full BRRRR lifecycle viability including seasoning carry cost. A spreadsheet shows what you hope is true. ValoraFlow shows what a lender will actually underwrite.
Most calculators are good at general underwriting or market data — but none consistently model how real loan structures, DSCR floors, reserve requirements, rate changes, and exit timing change the viability of a deal once it hits a lender's desk. ValoraFlow models 5 loan structures simultaneously, shows three-tier rent separation, includes appraisal gap analysis, and runs the full BRRRR lifecycle — month-by-month seasoning and carry cost included. The output is not a projection. It's a credential built on the same logic a lender uses to approve or kill the deal.
Yes. The Free tier includes 15 analyses per month, 1 loan structure, and 3 saved deals — no credit card required. That's enough for one serious deal evaluation per weekday. Beta users get 5 analyses per day for 45 days, with full lender matching and all 5 loan structures unlocked.
Founding Members get Power Investor features at $49/mo permanently — 45 days free first, then no expiry, no countdown, never gated, named in the product. It's a different tier entirely, not a deeper discount. The framing: "$99/mo Power features, permanently, for $49." Founding membership is offered personally, one at a time — not automated.
Only when a deal closes. The 0.1% success fee is charged on the funded deal amount. Founding lenders pay 0.075%, permanently, with the first 10 deals free. Lenders pay nothing until they win. Phase 2 Pro Lender subscription is opt-in for volume players — it is never imposed on founding cohort members.
Four changes: (1) Free monthly analysis limit raised 3 → 15 to support habit formation — one real deal per weekday. (2) Free saved deals raised 1 → 3 for side-by-side comparison. (3) Beta 100-analysis lifetime cap removed — 45-day time gate only remains. (4) Founding Member price corrected to $49/mo — Power features, permanent rate.
Founding Lender & Founding Investor slots are limited — personal offers only

🚀 Request Beta Access

See your deals through a lender's eyes. Know where they break before you commit.
V6 policy applies — Free tier available immediately, no credit card required.

Founding tiers are offered personally — not automated. Early access priorities: Indy · Ohio · Sunbelt deal flow. V6 policy applies to all tiers.