10% of every sale (gross) supports Habitat for Humanity

What the Score Means

Every property you analyze in PropVest IQ receives a clear, colour-coded decision rating. No guesswork. No vague opinions. Just math, clarity, and confidence.

Giving back: We donate 10% of gross revenue from each PropVest IQ sale to Habitat for Humanity.

One Simple Score. Six Possible Outcomes.

PropVest IQ processes dozens of data points — cash flow, debt ratios, leverage, IRR, renovations, risk factors, and market assumptions — and converts them into an easy-to-understand rating from Caution to Exceptional.

Rating Breakdown & What Each Colour Means

Caution

High risk. Metrics indicate weak performance or potentially negative outcomes. Usually requires renegotiation, restructuring, or walking away.

Neutral

Balanced result. Not a bad deal, but not compelling. Requires deeper review or adjusted assumptions.

Decent

A workable investment. Not spectacular, not terrible. Suitable for certain strategies and long-term holds.

Good

Strong financials. Meets or exceeds common investment benchmarks. Attractive for most investor profiles.

Excellent

Very strong returns with balanced risk. Typically scores well across multiple metrics, including long-term IRR.

Exceptional

Rare opportunities. Outstanding performance across nearly all metrics. These deals should be scrutinized quickly — before someone else grabs them.

How the Score Is Calculated

PropVest IQ runs dozens of formulas instantly. Each metric is weighted based on its real-world impact on risk, stability, and returns.

  • • Cash Flow Strength
  • • Cap Rate
  • • Cash-on-Cash Return
  • • Internal Rate of Return (IRR)
  • • Debt Coverage Ratio (DCR)
  • • Loan-to-Value & Leverage Ratios
  • • Renovation & Stabilization Assumptions
  • • Operating Expense Efficiency

For a full breakdown of every formula used: Download the Metrics PDF

Why the Score Matters

Real estate investing is full of unknowns. The PropVest IQ score gives you an unbiased, numbers-only view of a deal’s strengths and weaknesses — so you can move forward with clarity, or walk away with confidence.

Why do small changes (like interest rate or vacancy) move my score so much?

Because lenders and investors react strongly to changes in risk. A 1% interest rate shift or a slight increase in vacancy can dramatically affect cash flow, DCR, and long-term returns. PropVest IQ adjusts accordingly.

Can a property with low cash flow still score “Good” or “Excellent”?

Yes — if long-term metrics like IRR, appreciation, and leverage strength compensate. Some markets simply don’t cash flow, but still produce exceptional long-term wealth.

Does PropVest IQ penalize high leverage?

Only when it increases risk. Leverage is powerful, but loans with weak DCR or poor coverage ratios will drop the score.

Are the scores different for single-family vs. multi-family?

The math is universal, but multi-family properties often stabilize faster and score higher due to stronger rent distribution and lower vacancy risk.

Can PropVest IQ help me compare multiple offers on the same property?

Absolutely — change the price, interest rate, or renovation budget, and watch the score update. It's a powerful way to evaluate negotiation options.

What if my property scores Neutral or Decent — should I walk away?

Not necessarily. These scores simply mean the deal needs deeper due diligence. Many great long-term rentals started out with only “decent” numbers.

Do the score thresholds change depending on the province or state?

No — the formulas are universal. But your results will naturally vary based on local taxes, insurance, vacancy, and rent levels.

Does PropVest IQ consider appreciation or future rent growth?

Only where mathematically reasonable. The program never inflates numbers with unrealistic assumptions.

How often should I re-run a property I've already purchased?

At least once per year — especially when renewing mortgages, adjusting rents, updating expenses, or planning renovations.

Why does PropVest IQ show so many metrics instead of just one score?

Because smart investors don’t rely on one number. Long-term wealth comes from understanding the whole picture — not just cash flow or cap rate alone.

Ready to Analyze Your First Property?

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