Underwriting methodology

The underwriting engine behind every offer.

Dottid AI turns property facts, comparable sales, rehab assumptions, and investor strategy into ARV, estimated rehab, and max allowable offer logic.

Start analysis See how it works

Dottid AI underwriting engine turning a property into ARV, rehab, and MAO outputs

What the system uses

Underwriting starts with the facts that drive the offer.

The model is only useful if the inputs are grounded in real deal variables: the property, the market, the condition, and the investor’s strategy.

Property facts

Address, beds, baths, square footage, property type, listing details, and other known facts.

Comparable sales

Sold properties used to support ARV through similarity, relevance, and market evidence.

Condition inputs

Photos, visible condition, user-provided details, and assumptions about repair scope when available.

Investor strategy

Flip, rental, or wholesale logic. Wholesale analysis can include assignment fee assumptions.

Comparable sales

ARV is supported by market evidence, not random averages.

Dottid AI uses comparable sales to support after-repair value. Stronger comps should carry more weight. Weaker evidence should be treated with caution.

Comparable sales engine showing subject property, comps, and ARV output

Rehab estimate

Rehab is estimated from condition and scope assumptions.

The system converts visible condition, property details, photos when available, and user-provided assumptions into an estimated rehab range.

Rehab scope engine showing condition, scope, and rehab output

Offer logic

MAO turns underwriting into an offer ceiling.

Dottid AI uses ARV, estimated rehab, investor strategy, and user-provided assumptions to calculate max allowable offer logic.

MAO offer logic engine showing ARV, rehab, strategy, assumptions, and MAO output

The underwriting model

Three outputs drive the first-pass decision.

The goal is not to replace judgment. The goal is to get to a credible first number fast enough to decide whether the deal deserves more time.

ARV

Comparable sales support the estimated resale value after the property is improved.

Rehab

Condition, visible scope, property details, and assumptions support the estimated renovation range.

MAO

ARV, rehab, strategy, and assumptions are converted into max allowable offer logic.

Trust layer

Dottid AI does not replace due diligence.

A trust page should not overclaim. The output is a fast underwriting decision, not a guaranteed investment outcome.

Dottid AI does not replace final due diligence.

It does not know exact lender terms, taxes, insurance, title fees, or closing costs unless provided.

It does not guarantee contractor pricing, resale value, or investment outcome.

It gives investors a fast first-pass underwriting decision, not a final go/no-go by itself.

Run the engine

Put a property through the underwriting system.

Start with an address, choose the strategy, add the assumptions you know, and Dottid AI will return a first-pass analysis for ARV, rehab, and max allowable offer.

Start analysis

Enter the property

Select the strategy

Review ARV, rehab, and MAO