Rental property underwriting
Underwrite a rental property with real data and honest assumptions, before you make the offer.
MetaRent is for small investors and short-term rental operators checking a property before they offer. It estimates rent from leased comparables, models the full expenses and letting rules, and stress-tests where the deal breaks.
No account. No card. No sales call.
- Rent from actual leased comparables
- A full expense model, including vacancy
- Short-term letting regulation surfaced
Where does this rental deal stop paying for itself?
Put in the rent you expect, vacancy, running costs and the mortgage payment, then a fall in rent and a rise in costs to test. See the monthly cash flow, the stress-tested figure and the occupancy needed to break even. Runs in your browser. No account, no card, no call.
How it adds up, each year
- Rent a year, if never empty
- $24,000
- Vacancy allowance a year
- $1,200
- Taxes, insurance and other costs a year
- $5,700
- Maintenance and management a year
- $4,560
- Net operating income a year
- $12,540
- Mortgage payments a year
- $12,000
Take this with you
No email required. It is your result.
MetaRent — rental deal stress test · Cash flow of $45 a month at the figures entered · -$155 a month with rent 10% lower and costs 10% higher · Breaks even at 92% occupancy Run it yourself: https://metarent.io
Method: rent collected = monthly rent x twelve, less the vacancy allowance. Costs = taxes + insurance + other costs, plus maintenance and management as shares of rent collected. Cash flow = rent collected - costs - mortgage payments, per month. The stress test lowers rent collected and raises taxes, insurance and other costs by the shares you enter. Break-even occupancy is the share of a full year's rent that covers every cost and payment.
Underwriting with real data and honest assumptions
For any address, see achievable rent, a full expense model and the regulatory position, then stress-test the deal to see where it breaks.
- Rent from leased comparables
- Achievable long-term rent is estimated from actual leased comparables rather than asking prices.
- Short-term revenue from real data
- Achievable short-term revenue is based on real occupancy and rate data for genuinely comparable properties.
- A full expense model
- Taxes, insurance at current quoted rates rather than historical, maintenance reserves by property age, management and vacancy.
- Short-term letting regulation
- The regulatory position for short-term letting, including pending legislation.
- See where the deal breaks
- The deal is stress-tested against rate, occupancy and expense shocks.
- Portfolio and market monitoring
- Track your portfolio and monitor markets, with market-level screening and regulatory alerts on the higher plan.
The problem
Investors buy rental properties on a spreadsheet full of optimistic assumptions: rent estimated from listings rather than from what actually leases, occupancy guessed, expenses underestimated, and no allowance for the regulatory risk that can eliminate short-term rental income overnight.
They discover the truth after buying, when the property is losing money and cannot be sold without a loss.
Who it is for
Small property investors
Investors buying their first to twentieth rental who want to check a deal before making an offer.
Short-term rental operators
Operators evaluating markets, including the regulatory position for short-term letting.
Agents with investor clients
Agents serving investor clients, with a dedicated agent tier.
How it works
MetaRent, from the first step to the result.
- 1
Enter an address
Run a free, complete deal analysis with no account.
- 2
Review the numbers
Achievable rent, short-term revenue, full expenses and the regulatory position.
- 3
Stress-test the deal
See where it breaks under rate, occupancy and expense shocks.
- 4
Decide before you make the offer
Knowing where the deal breaks.
Questions people actually ask
What does the free analysis include?
A complete deal analysis on any address, with no account.
How is rent estimated?
Long-term rent comes from actual leased comparables rather than asking prices. Short-term revenue comes from real occupancy and rate data for genuinely comparable properties.
Which expenses are modelled?
Taxes, insurance at current quoted rates rather than historical, maintenance reserves by property age, management and vacancy.
Does it cover short-term rental regulation?
Yes. It surfaces the regulatory position for short-term letting, including pending legislation.
What is the stress test?
The deal is tested against rate, occupancy and expense shocks, so you can see where it breaks.
What does it cost?
A single analysis is free. 39 dollars a month covers unlimited analyses, portfolio tracking and market monitoring, and 129 dollars a month covers market-level screening, regulatory alerts and export.
Is there a plan for agents?
Yes. There is an agent tier for agents serving investor clients.
Why should I trust the rental deal stress test?
It is arithmetic on the figures you enter, worked out in your browser. It does not estimate rent, costs or returns, and it is not a forecast. The free deal analysis estimates them for an address, from leased comparables and current insurance quotes.
Pricing
One analysis is free. Subscribe for unlimited analyses, monitoring and market-level screening.
Single analysis
A complete deal analysis on any address.
- Complete analysis
- Any address
Investor
Unlimited analyses and ongoing tracking.
- Unlimited analyses
- Portfolio tracking
- Market monitoring
Market
Screening at market level.
- Market-level screening
- Regulatory alerts
- Export
Prices in USD.
Where does this rental deal stop paying for itself?
Put in the rent you expect, vacancy, running costs and the mortgage payment, then a fall in rent and a rise in costs to test. See the monthly cash flow, the stress-tested figure and the occupancy needed to break even. Runs in your browser. No account, no card, no call.
Open the free toolIt runs in your browser. MetaRent never sees your inputs.