How we make these reports
Each report is made automatically when someone checks a home. Here is where every number comes from, how fresh it is, and what we check. It’s an estimate, not an appraisal or a loan approval.
Where the numbers come from
| Number | Where it comes from | How fresh |
|---|---|---|
| Address and county | The U.S. Census Bureau’s address map. | Checked when the report is made. |
| Home facts and asking price | The home’s listing when there is one, and the county appraisal district’s records. | As of the report’s date. |
| Property taxes | Every taxing unit on the home’s tax bill, with this year’s rates from the county tax office, applied to the price or the county’s value, whichever is higher. No homestead exemption or cap, because those end when a home sells. Where we don’t have the home’s own units yet, we use the county’s average rate and say so on the report. | Rates are updated each fall, when taxing units adopt them. |
| Flood zone | FEMA’s National Flood Hazard Layer, at the home’s map point. | FEMA’s current map. Draft maps aren’t in it yet. |
| Insurance | Texas Department of Insurance county averages, sized to the home, with extra for a landlord policy. Flood prices are FEMA’s typical price for the ZIP code. Homes on the coast add a wind policy from TWIA. | Updated once a year. |
| Rent | RentCast’s estimate from similar homes for rent nearby, with a likely range. | As of the report’s date. |
| Estimated home value | An automated estimate based on recent sales nearby, nudged a little toward the county’s value. Texas doesn’t make sale prices public, so treat it as a range. | As of the report’s date. |
| Interest rate | Our estimate from public DSCR lender rate sheets, based on the credit score, down payment and DSCR. It is not a quote. | Worked out again each time you open the report. |
The plain-English summary
An AI writes the short summary from the report’s own numbers. A second AI check and a number check make sure it says nothing the report doesn’t. If a draft fails, the report shows a summary written by a simple template instead.
The three scores
Deal attractiveness compares the cash-on-cash return with other reports we’ve made. Loan health shows how lenders would likely see the loan. Negotiation difficulty shows how hard it may be to reach your price. Each score explains what drives it on the report.
How fresh a report is
Every report shows the date it was made. A report on a home that’s for sale ages faster, and so does one made before new tax rates come out each fall. Older reports show a note about what may have changed and offer a refresh. After a year, a report stays at its link but leaves search results until it’s refreshed.
Corrections and removals
If something on a report is wrong, or you want a report taken down, email hello@dscrlabs.com with the link. We answer within two business days.
This is an estimate, not a loan approval.