MODULAR DEAL UNDERWRITING

Lender-ready models for your modular home deal, in minutes.

Built by a CFA charterholder and lender with over 25 years of underwriting experience, and powered by AI to deliver accurate, dynamic financial models for your next modular project.

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Live model · 8-unit townhomes (sample)● LIVE
  • Factory modules (8 units)$1,280,000
  • Crane & set$0
  • Transportation$0
  • Site work & foundation$0
  • Interest reserve$0
  • Points & draw fees$0
  • Total project cost$1,280,000
Cost breakdown
Capital stack
Loan 80%Equity
Returns vs. target
Margin
0.0%
DSCR
0.00x
ROI
0.0%

Sample figures for illustration only.

SAMPLE MODELS

Try a Sample Model

Pick a project type, enter your numbers in step 1, and see your results and full breakdown update instantly. Fictional projects and figures, not quotes or loan terms.

Custom model

Custom pricing

Mixed-use, phased, or unusual deals: we build a model around your project. Pricing depends on scope.

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Green/red flags use sample criteria: margin ≥ 12%, ROI ≥ 20%, DSCR ≥ 1.25x, cash-on-cash ≥ 8%. Interest reserve = loan × average % outstanding × rate × months. "Cash needed at closing" assumes the lender requires the full equity contribution first.

The Challenge: It's a Different Process

Modular works differently from site-built, and that keeps many builders and investors away.

Two-stage financing

Factory payments come due before anything is on site, then the construction loan must be refinanced.

Cranes & set days

A crane and set crew place modules in a day or two, timed to delivery and foundation.

Several crews, different times

Foundation, set, button-up and finish crews each have their own window.

Deliveries & shipments

Oversized loads need routing, permits and staging.

We build the tools that let you model all of this the way a lender or equity investor would underwrite it.

The Two-Stage Lending Model

Every sample model uses this structure. Sample assumptions, not loan terms.

Stage 1: Factory / construction loan

Funds modules, transport, set, site work and land. Sample terms: 12–14% interest (default 12%), 60–100% loan-to-cost (default 80%), points, draw fees and an interest reserve.

Stage 2: Refinance / permanent loan

At completion, a sale or refinance pays off Stage 1. Sample terms: ~7% interest, 65% of appraised value (adjustable), 30-year amortization, with a DSCR check.

PRICING

Simple, Fixed Pricing

Each model is set up for your deal and lender-ready, for less than a custom consultant build. Try the single-family model above free.

Single-Family

STARTING AT$1,250

One home: build-to-sell or rent, two-stage financing, refinance test and lender export.

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Duplex to Townhomes

STARTING AT$2,500

2–8 units: per-unit costs, itemized site work, sale or hold returns.

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Multifamily

STARTING AT$2,500

Rent roll, operating expenses, DSCR and refinance sizing.

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Full Development

STARTING AT$5,000

Itemized horizontal costs, phasing, draws and sales.

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Custom

STARTING AT$5,000+

Mixed-use, phased or unusual deals, custom dashboards and lender packages. Quoted by scope.

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Starting prices; final price depends on scope.

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Tell us about your deal and which model you want.