Investment intelligence

Know if a property is
actually investable
before you buy.

Pāyeh runs institutional-grade underwriting on any listing — cashflow, DSCR, stress tests, risk ratings, and a clear verdict — so you buy with confidence, not hope.

Analyze My Property View a sample report
Pāyeh · Investment Analysis
1842 Yale Street, Houston.
Heights · SFR · 3BD / 2BA · 1,820 sqft · Built 1948
Verdict
Investable Rental
DSCR 30%
1.31 ✓
Monthly CF
+$412
78
Strategic Buy
DSCR clears threshold. Positive cashflow at 30% down in all stress scenarios.
Cap Rate
5.93%
NOI
$22,840
30% CF
+$412
Stress test — DSCR across 4 scenarios
1.31 1.18 1.08 1.12 1.0×
Strategic Buyer Lens
Traditional Rental InvestorStrong
Cash Buyer / Yield-FocusedStrong
STR OperatorSpeculative
DSCR analysis across 3 financing scenarios
4 stress test scenarios — full recompute
8 buyer types assessed per property
1 clear verdict — invest, consider, or decline

Most deals look fine on the surface.
Pāyeh finds where they break.

Optimistic rent assumptions. Hidden vacancy sensitivity. Debt service that only clears on a best-case scenario. Pāyeh runs the analysis that listing agents don't — and surfaces the risks before you make an offer.

What Pāyeh answers

The questions every investor
should ask — before making an offer.

These are the questions that determine whether a deal is genuinely investable or just priced to sell.

"Does this actually cashflow — or only on optimistic assumptions?"
Pāyeh models your actual financing, real vacancy rates, and conservative expense estimates. Not listing projections.
"What breaks this deal if rent drops 10%?"
The stress test runs four adverse scenarios — rent decline, vacancy spike, rate shock — and shows exactly where the deal fails.
"Am I overpaying for what this property actually produces?"
Pāyeh calculates the income-supported acquisition price — the maximum you should pay for the deal to remain viable.
"Is my lender going to be comfortable with this DSCR?"
Full DSCR analysis at 20%, 30%, and all-cash scenarios. You'll know before you apply.
"What's the actual risk profile — not just the upside?"
Six risk categories rated Low to Severe: liquidity, financing, structural yield, capital, HOA, and sensitivity risk.
"If it doesn't work as a rental, who would actually buy this?"
The Strategic Buyer Lens identifies which buyer types the property genuinely suits — and which are speculative.
Pāyeh verdicts

Opinionated analysis.
Not another calculator.

Every Pāyeh report ends with a classified verdict — derived from hard financial thresholds, not subjective judgment. Here is what those verdicts look like in practice.

Verdict example
Investable Rental
DSCR ≥ 1.15 at 30% down. Positive cashflow. Cap rate above floor. Survives all four stress scenarios.
Operationally durable
Verdict example
Borderline — Appreciation Driven
DSCR below 1.0 under leverage. Cap rate passes. Investment thesis depends on appreciation, not income.
Cash-flow fragile
Verdict example
Owner-Occupant Priced
Property priced for lifestyle demand, not rental yield. Investor entry requires significant discount to make sense.
Rent assumptions too optimistic
Verdict example
Financially Unsuitable for Rental
Fails on DSCR, cashflow, and cap rate simultaneously. No scenario produces viable investor returns under leverage.
Avoid — unless cash buyer
Stress testing

What happens when things
don't go as planned?

Every deal looks fine at current rents and today's rates. Pāyeh runs four adverse scenarios — full recompute each time — so you know exactly how much margin you have.

Base Case
0.77
Current market rent · 5% vacancy · 6.5% rate
Rent –5% / Vacancy 7%
0.69
Mild rent softening + slightly elevated vacancy
Rent –10% / Vacancy 10%
0.61
Moderate market correction
Rate Shock +1%
0.69
Refinance risk at 7.5% — full debt service recomputed
The conclusion

This deal collapses under every adverse scenario.

DSCR falls below 0.90 in all four scenarios. That is not a borderline deal — that is a deal with no margin for error. Pāyeh tells you this before you make an offer, not after.

The required price for this property to become investable at 30% down is $348,683 — a 27% discount from the current ask of $478,000.

Pāyeh verdict: Borderline — Appreciation Driven. Do not proceed as a leveraged rental at current pricing.
Strategic Buyer Lens

The same property.
Eight different theses.

A property that fails as a leveraged rental may still hold value for a cash buyer, owner-occupant, mid-term rental operator, or developer. Most underwriting tools stop at the rental verdict. Pāyeh continues.

Each buyer type is assessed using the numbers already computed — not opinion. Ratings are verified, plausible, or speculative, and each speculative thesis includes an execution complexity note.

This is how experienced investors think about properties. Now it's built into every report.

Buyer TypeFit
Traditional Rental InvestorWeak
Owner-OccupantStrong
Appreciation-Focused BuyerModerate
House HackerModerate
STR / Short-Term RentalSpeculative
Mid-Term / Furnished RentalModerate
Cash Buyer / Yield-FocusedModerate
Developer / Land Value PlaySpeculative
Inside every report

Every question answered.
One unambiguous verdict.

Governed by strict rules. Consistent on every property. Delivered within 24 hours.

Executive Summary
Composite score, confidence tier, classification, and primary verdict on the first page.
Operating Performance
Full income model: GSR, vacancy, all expense lines, net operating income.
Buy Strategy Comparison
20% down, 30% down, all cash — DSCR and cashflow for each scenario.
Break-Even Analysis
The exact rent required for cashflow neutral and DSCR 1.05 — versus what the market supports.
Stress Test
Four adverse scenarios, full recompute each time. Rent decline, vacancy spike, rate shock.
Risk Overview
Six risk categories — liquidity, financing, yield, capital, HOA, sensitivity — each rated Low to Severe.
Required Price
The income-supported acquisition price. What you should actually pay — not what they're asking.
5-Year Projection
Appreciation, principal paydown, cumulative cashflow, and net wealth created — year by year.
New
Strategic Buyer Lens
Eight buyer types assessed against the numbers. No other residential tool does this.
Common questions

What investors ask
before they start.

What information do I need to submit? ↓
A Zillow or Redfin listing URL is enough to start. If you have additional details — HOA amount, estimated rent, known repairs — provide them and we'll incorporate them. Missing data is estimated conservatively and labeled clearly.
How is this different from running numbers in a spreadsheet? ↓
Spreadsheets show you what you put in. Pāyeh applies a governed rules engine that enforces conservative assumptions, stress-tests four adverse scenarios, classifies the deal against hard thresholds, and produces a verdict you can act on — not just a number you have to interpret.
What does "institutional-grade" actually mean? ↓
It means the same analytical framework used by professional underwriters: DSCR analysis, stress testing, risk classification, break-even sensitivity, and a structured investment verdict — applied consistently to every property using hard financial thresholds rather than subjective judgment.
Can Pāyeh analyze condos, multifamily, or STR properties? ↓
Currently Pāyeh is optimized for single-family residential long-term rental analysis — the asset class where most residential investors operate. STR thesis is identified in the Strategic Buyer Lens but modeled separately. Multifamily support is in development.
How accurate are the rent and tax estimates? ↓
Every estimated figure is clearly labeled. We use Rent Zestimate data as a proxy for market rent and assessed values for tax estimates — both are flagged for verification. Pāyeh is an analytical framework, not a data product. Independent verification before any acquisition decision is required and stated in the disclaimer.
What format is the report delivered in? ↓
Reports are delivered as a premium HTML file — opens in any browser, renders on any device, and can be saved or shared with a partner, lender, or advisor. A print-to-PDF option is available directly from the browser.
Founding access

Institutional underwriting.
At a fraction of the cost.

Professional real estate underwriting reports typically cost $300 to $500 per property and require days of turnaround. Pāyeh delivers institutional-grade investment intelligence in minutes, and founding investors access it at a rate that reflects our early partnership.

Founding rate structure
Rate locked permanently on enrollment.
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