247 investors analyzed a deal today — Start your free analysis →

50,000+ Active Investors$4.7B Properties Analyzed4.9★ User Rating

Underwrite Like a Bank. Get Approved Like a Pro.

Get instant DSCR, cap rate, cash-on-cash, lender stress tests, and a lender-ready PDF — built to help you close more deals and secure better financing.

Run Free Underwriting Analysis Watch how it works (YouTube)

No credit card to start. Core run is free; lender-ready PDF after your analysis.

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How it works

Bank-grade math. One platform. Every deal type.

247 investors ran underwriting today — 184 received BUY + Strong DSCR verdicts.

Built on real bank underwriting discipline — 25+ years closing loans and teaching investors how files actually get read.

Start with the ToInvested Underwriting Platform. Enter what your agent or LO already gave you: price, rent, taxes, insurance, rate, and vacancy. You get coverage-style metrics and a verdict you can drop next to a term sheet.

Remodel ROI, fix-and-flip, and BRRRR live in dedicated analyzers — same math standards, less tab sprawl than a one-off workbook.

Lender-ready PDF uses email delivery after your analysis. Optional deal alerts if you want them.

Borrower-ready output

Built for Borrower Success

Loan officers do not want a novel — they want consistent numbers, clear stress tests, and a file that reads like you did the work. ToInvested turns scattered inputs into one structured pass you can defend in underwriting.

Before: spreadsheet chaos

Tabs that disagree, vacancy buried in a cell, and DSCR that changes every time someone edits a formula.

After: clean lender package

One run: verdict, metrics, strengths, risks, next steps — plus optional branded PDF to your inbox for the file.

  • Automatic tax & insurance estimates by ZIP to tighten your expense stack.
  • DSCR, cap rate, cash-on-cash, and cash flow in one pass — compare rate scenarios by re-running with different interest rates (e.g. 6.5%, 7.5%, 8.5%).
  • Model vacancy and operating stress before you lock terms — adjust inputs like vacancy % and watch coverage move.
  • Request a lender-ready PDF after your analysis (email delivery — see the gate on the results page).
  • BRRRR refinance projections in the dedicated BRRRR analyzer — pair it with your rental screen.
  • BUY / PASS / CONDITIONAL verdict plus strengths, risks, and next steps framed the way underwriting teams scan a file.
Start Free Underwriting (No Card Needed)

Prefill your first analysis

Run numbers →

Opens the calculator with ZIP and price saved. Add rent and expenses on the next screen.

Optional — deal alerts by email

Calculators never require email. Unsubscribe anytime.

Why investors use ToInvested

One place for rental underwriting, flip math, and remodel ROI.

Most bad deals are not mysteries — they are missed line items: taxes creeping up, insurance in a new zip, management you forgot to model, or DSCR that fails the minute rates move. ToInvested keeps the story tied to the numbers so you can decide quickly and explain your logic clearly.

  • Rental screening with cap rate, DSCR, cash-on-cash, and a BUY / PASS / CONDITIONAL verdict.
  • Fix-and-flip and BRRRR workflows that respect rehab, refinance, and timeline risk.
  • Remodel ROI ranking so homeowners and investors fund upgrades that pay back.
  • Optional membership when you want unlimited runs, education, and deeper automation.
Try the Property Analyzer free Read strategy guides

AI real estate investment analyzer — how ToInvested compares

Most investors still underwrite rentals in spreadsheets: one workbook per deal, formulas that drift, and no shared verdict language when partners review the file. ToInvested standardizes underwriting-style outputs — cap rate, cash-on-cash, DSCR, cash flow, and a plain-English BUY / PASS / CONDITIONAL call — so you can screen more deals with less rework. The same workflow applies whether you are buying your first duplex or adding the twelfth door to a portfolio.

The platform is built around the idea that speed and rigor should not be opposites. When you enter realistic rent and expense assumptions, the AI explains why a deal clears or fails lender-style coverage, which levers matter most (vacancy, taxes, insurance, management, debt terms), and what to verify next before you wire earnest money or call your loan officer. That is the practical meaning of an AI real estate investment analyzer: not magic predictions, but structured judgment on the numbers you already have.

Spreadsheet vs ToInvested AI

CapabilityTypical spreadsheetToInvested AI
Time to first pass30–120 minutes to rebuild tabsUnder a minute with guided fields
DSCR + cap rate togetherManual formulas; easy to breakConsistent metrics every run
Verdict + narrativeYou interpret cells yourselfStructured verdict + risks + next steps
Partner handoffVersioned files and commentsSame output format per tool

Key metrics calculated

  • Cap rate — normalized yield on the deal before financing nuances.
  • Cash-on-cash return — what your invested equity earns after debt service.
  • DSCR — whether NOI realistically covers the mortgage (rental lenders care deeply).
  • Cash flow — monthly and annual picture after operating expenses.
  • Risk framing — strengths, weaknesses, and conditional items to verify.

Who this is for

Part-time investors who need a fast screen after work. Full-time operators who want consistent math across markets and assistants.LPs and small syndicators who want a second opinion before deeper diligence. New buyers learning how lenders think about DSCR before their first pre-approval conversation. If your process is “I will know it when I see it,” you will lose deals to investors who run numbers first — this stack exists so you can be in the second group.

See the tools in action

Short demo video or GIF can be embedded here (hero video above already showcases the brand experience). For a dedicated walkthrough, record a 60–90 second screen capture of the Property Analyzer flow and replace this block.

Run every analyzer free

When you are ready to remove daily limits, compare plans on the pricing page or go straight to ToInvested membership. Strategy-style questions route through the AI Investment Advisor — automation-first on free and paid tiers.

How It Works

Three steps to smarter deals.

The same due diligence that takes 2 hours in a spreadsheet — done in under a minute.

  1. Drop in the deal.

    Purchase price, rent, expenses, address, property type. Takes about 30 seconds to fill in what you already know.

  2. AI runs full due diligence.

    Cap rate, DSCR, cash-on-cash return, NOI, risk scoring, and exit strategy — the same metrics your lender reviews before approving a loan. Calculated in seconds.

  3. Get a verdict you can act on.

    BUY, PASS, or CONDITIONAL — with the specific reasoning behind it and 2–3 next-move action items. No ambiguity. Just the call.

Try It Free — No Signup Required

Tools overview

Six surfaces — rental, flip, BRRRR, remodel, sites, and AI help.

Each analyzer is built for production use: consistent metrics, clear verdict language, and links to the next resource when you are ready to go deeper. Start free, then upgrade if you want unlimited runs and coursework.

ToInvested Underwriting Platform

AI Property Underwriter — rental & refinance scenarios.

Drop in price, rent, taxes, insurance, and loan terms from your lender or LO. You get DSCR, cap rate, cash-on-cash, cash flow, and a BUY / PASS / CONDITIONAL verdict in language underwriting teams recognize.

Compare interest-rate assumptions by re-running with different rates. After you analyze, request a lender-ready PDF to your inbox — then use the BRRRR analyzer for full refinance projections.

Run free underwriting analysis

Fix & Flip Analyzer

Rehab math, ARV, and max offer discipline.

Model purchase, rehab spread, holding costs, and exit so you are not guessing your MAO the night before you wire earnest money.

Pairs well with hard-money scenarios — tighten profit margin and timeline risk before you lock a rate.

Analyze a flip

BRRRR Analyzer

Buy → rehab → rent → refi — end to end.

Stress-test refinance timing, seasoning, and cash left in the deal so the recycle step is repeatable instead of lucky.

Ideal when you are stacking single-family or small multifamily and need one consistent template across markets.

Analyze a BRRRR

Remodel ROI Analyzer

Room-level costs and value-add ranking.

Compare upgrades by estimated ROI before you sign a contractor bid — whether you are improving rent, resale, or both.

Use it alongside the Property Analyzer when you are deciding how much renovation a rental can actually support.

Analyze a remodel
Early access

AI Website Builder

Agent sites — onboarding next.

A guided, real-estate-first site builder for agents and teams who want IDX-ready positioning without hiring a dev shop.

Core builder flows are still shipping; the roadmap page explains what is live today and what is next.

View roadmap
Coming soon

Gemini-powered assistant

Dedicated assistant experience — coming soon.

We are lining up a Gemini-first assistant for deeper portfolio Q&A, follow-up prompts, and saved deal threads.

Today, the floating AI Investment Advisor already answers underwriting-style questions across the site — same job, production-safe routing.

Why ToInvested

Underwriting discipline, packaged for everyday decisions.

You should not need a loan officer on speed dial to understand whether a deal clears cash flow, whether a rehab budget is sane, or whether a rental fails DSCR at the rate you were quoted. ToInvested translates institutional checks into a guided flow you can finish between calls.

  • Metrics lenders care about — shown next to plain-English risk framing.
  • Beginner-friendly copy with advanced outputs when you need to go deeper.
  • Mobile-first layouts so you can re-run a scenario from the car (parked).
  • Transparent inputs: we analyze the numbers you trust, not a black-box market guess.
  • Built by David J. Moore, MBA — 25+ years across lending, advisory, and investor education.
SSL-encrypted sessions Guides on /blog Financing context in lending hub

What Investors Are Saying

Built for people who close deals.

Real results from real investors using ToInvested every day.

MBA-led product25+ yrs lending & advisoryWells Fargo & JPMorgan alumni founderYPN Inc. (ToInvested)

"I used to spend 2 hours building a spreadsheet for every deal. Now I get a better analysis in 60 seconds. The DSCR guardrails alone have saved me from two bad deals this quarter."

MR
Marcus R.
Phoenix, AZ — 14-Property Portfolio
Verified Member
  • Cash Flow: +$3,400/mo
  • 2 Bad Deals Avoided

"The AI gives me the same analysis my former acquisition analyst did — but faster and with better scenario modeling. I can evaluate 10 deals before lunch now."

JT
James T.
Dallas, TX — Full-Time Investor
Verified Member
  • 10x Deal Evaluation Speed
  • 23 Deals Closed This Year

"The AI advisor helped me pressure-test entity questions before my CPA call — same day clarity, no waiting."

SK
Sandra K.
Los Angeles, CA — 8 Properties
Verified Member
  • Faster decisions
  • Fewer back-and-forth emails

Simple Pricing

Start free. Scale when you're ready.

No credit card required to start. Paid memberships include a 3-day free trial; annual billing is discounted vs paying monthly ×12 — pick Essential, Professional, or Elite on the pricing page.

Annual checkout charges one payment for the full year in Stripe; dollar amounts below show a monthly equivalent for comparison.

Free
$0 /forever
Analyze deals, learn the fundamentals, and build confidence — at zero cost.
  • 3 AI analyses per day
  • Rental, flip, BRRRR & remodel analyzers
  • BUY / PASS / CONDITIONAL verdict
  • Cap rate, DSCR, cash flow metrics
  • No credit card required
Start free
Essential
$29.99 /month
~$24.99/mo equivalent when billed annually
Perfect for first-time investors analyzing deals efficiently
  • Unlimited analyses
  • All property analyzers
  • Email support
  • 3-day trial on paid plans
Subscribe Essential
MOST POPULAR
Professional
$49.99 /month
~$41.66/mo equivalent when billed annually
For active investors scaling portfolios and cash flow
  • Everything in Essential
  • Portfolio dashboard
  • Education hub & courses
  • BRRRR + DSCR modeling
  • 30-day guarantee
Subscribe Professional
Elite
$99.99 /month
~$83.33/mo equivalent when billed annually
Full-stack investor system with advanced automation and alerts
  • Everything in Professional
  • Priority email support
  • Deal alerts & reports
  • AI advisor — expanded automation
Subscribe Elite

30-Day Money-Back Guarantee — On paid tiers after trial converts.

About the Founder

Built by someone who's sat across the table from a thousand investors.

David J. Moore, MBA spent 25 years in real estate, mortgage lending, and investment advisory — closing over 1,000 loans at Wells Fargo and JP Morgan Chase and analyzing thousands of deals across residential, multifamily, and commercial markets.

ToInvested exists because David refused to let the frameworks that build generational wealth stay locked behind expensive advisors and institutional gatekeepers.

MBA, Fresno State25+ Years Experience3 Published Books1,000+ Loans ClosedWells Fargo AlumniJP Morgan Chase Alumni
Read David's StoryBrowse Books on Amazon

Full Wealth System

Everything you need to build, protect, and grow real estate wealth.

AI analysis is step one. Here's the full system — financing, legal protection, tax strategy, and estate planning.

Hard Money Lending
Rates from 8.5%. Fix-and-flip, bridge, and DSCR loans.
Tax Strategy
Depreciation, 1031 exchanges, and cost segregation.
Legal Protection
LLCs, trusts, insurance, and asset shielding.
Estate Planning
Probate avoidance and wealth transfer strategy.
Education Hub
Self-paced courses on every wealth discipline.
Life Insurance
Coverage that protects your portfolio and family.
Investor Store
David's books, courses, and curated resources.
Investor Blog
Market analysis, strategy, and investor education.

FAQ

Questions homeowners and investors ask before they run numbers.

What to do next

Pick one path — they all stay free to start.
Run a deal, read a guide, or talk to the advisor.

Start with the Property Analyzer if you have an address in mind. Browse the blog if you want context on DSCR, remodel ROI, or market discipline. Ask the AI Investment Advisor when you want a second opinion on structure or next steps.

Run a Free Analysis Membership & pricing
30-Day Guarantee Full refund, no questions
256-Bit SSL Bank-grade secure
Instant access Rental, flip, BRRRR & remodel tools
25+ years behind it David J. Moore, MBA

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