Local underwriting desk
The formula travels.
The assumptions do not.
Every market guide starts at the parcel: local taxes, insurance, physical exposure, operating rules, rent support, and a downside case built for that city—not a national average with the city name changed.
Verify the parcel
Confirm jurisdiction, assessment, flood context, permitted use, and official records before choosing assumptions.
Price local exposure
Quote insurance, scope physical systems, and make owner-paid services visible instead of hiding them in a generic percentage.
Stress the combination
Test vacancy and capital work together. Both draw from the same reserve even when a spreadsheet lists them separately.
Current city guides
Houston
Underwrite a Houston rental with local checks for property taxes, flood exposure, insurance, foundations, utilities, and neighborhood-level rent support.
Open the local playbook →02 / TXDallas
Analyze a Dallas rental with parcel-level tax, insurance, hail, foundation, flood, utility, and rent-comparable checks before making an offer.
Open the local playbook →03 / TXAustin
Build an Austin rental analysis around achievable rent, buyer-side taxes, flood and creek exposure, licensing, insurance, and downside cash flow.
Open the local playbook →04 / TXSan Antonio
Underwrite a San Antonio rental using local tax, flash-flood, foundation, housing-condition, utility, insurance, and rent-comparable checks.
Open the local playbook →05 / GAAtlanta
Analyze an Atlanta rental with jurisdiction, tax, rent-comparable, topography, water, tree, insurance, renovation, and vacancy checks.
Open the local playbook →06 / FLTampa
Underwrite a Tampa rental with address-specific insurance, wind, flood, roof, tax, evacuation, HOA, maintenance, and rent assumptions.
Open the local playbook →07 / FLOrlando
Analyze an Orlando rental using strategy-specific rent, insurance, flood, tax, roof, HOA, utility, licensing, and occupancy assumptions.
Open the local playbook →08 / AZPhoenix
Underwrite a Phoenix rental with heat, HVAC, roof, water, pool, flood, tax, rental-registration, insurance, and vacancy stress tests.
Open the local playbook →09 / NCCharlotte
Analyze a Charlotte rental with neighborhood rent support, reassessed taxes, flood and stormwater, HOA, utility, insurance, and capital checks.
Open the local playbook →10 / INIndianapolis
Underwrite an Indianapolis rental with parcel taxes, older-system repairs, sewer, water, winter, vacancy, management, insurance, and rent checks.
Open the local playbook →11 / MOKansas City
Analyze a Kansas City rental with Missouri-side taxes, licensing, Healthy Homes, flood, older systems, weather, vacancy, and rent support.
Open the local playbook →12 / MOSt. Louis
Underwrite a City of St. Louis rental with occupancy inspections, parcel taxes, old brick, sewer, roof, vacancy, insurance, and rehab checks.
Open the local playbook →13 / NYNew York City
Underwrite a New York City rental with borough, tax class, rent regulation, building condition, common charges, flood, insurance, and vacancy checks.
Open the local playbook →14 / CALos Angeles
Analyze a Los Angeles rental with rent rules, tax, insurance, wildfire, seismic, building condition, utilities, vacancy, and neighborhood checks.
Open the local playbook →15 / WASeattle
Underwrite a Seattle rental with registration, tenant rules, taxes, seismic and slope exposure, moisture, utilities, insurance, and supply checks.
Open the local playbook →16 / CODenver
Analyze a Denver rental with licensing, tax, hail, roof, freeze, sewer, insurance, utilities, vacancy, and neighborhood supply assumptions.
Open the local playbook →17 / FLMiami
Underwrite a Miami rental with wind and flood insurance, roof, condo reserves, tax, legal use, association, vacancy, and local rent checks.
Open the local playbook →18 / TNNashville
Analyze a Nashville rental with metro jurisdiction, flood and storm exposure, permits, short-term rules, tax, insurance, vacancy, and repair checks.
Open the local playbook →19 / ILChicago
Underwrite a Chicago rental with Cook County taxes, tenant rules, heat, masonry, roof, utilities, association, vacancy, and block-level rent checks.
Open the local playbook →20 / MNMinneapolis
Analyze a Minneapolis rental with licensing, inspections, taxes, winter heat, roof, sewer, moisture, utilities, vacancy, and neighborhood checks.
Open the local playbook →21 / ORPortland
Underwrite a Portland rental with tenant rules, taxes, seismic and landslide exposure, moisture, permits, utilities, insurance, and vacancy checks.
Open the local playbook →22 / CASan Francisco
Analyze a San Francisco rental with rent rules, tenant status, taxes, seismic work, soft-story and building capital, insurance, and vacancy checks.
Open the local playbook →23 / CASan Diego
Underwrite a San Diego rental with tax, insurance, wildfire and coastal exposure, tenant and short-term rules, utilities, vacancy, and rent checks.
Open the local playbook →