Coliving Underwriting Platform

Bank-ready
coliving pro forma
in 60 seconds.

Input an address. Get DSCR, IRR, Cap Rate, and NOI — with Fair Market Rent data pre-loaded for your zip code.

No sign-up requiredResults in 60 secondsBank-ready output
colivingdesk.com
Coliving
Traditional
Purchase Price
$350,000 USD
Room Count
5 rooms
Rent / Room
$750 /mo
Your Analysis
Monthly Cash Flow
$825
Cash-on-Cash
14.2%
Cap Rate
8.9%
Break-Even
14 months
🔒DSCR
Unlock Pro
🔒IRR
Unlock Pro
🔒Sensitivity Score
Unlock Pro
🔒Downloadable Pro Forma
Unlock Pro
2,000+
Deals underwritten
$1B+
Portfolios advised
21
Markets covered
The Problem

Why coliving deals
die on the spreadsheet.

Standard tools were built for single-tenant, single-rent models. Coliving math is different from row one.

01
Wrong Revenue Model
Standard templates model one rent per property. Coliving runs on per-room revenue — understating income by 30–60%.
02
Fragmented Market Data
Fair Market Rent, housing wage benchmarks, and demand data are spread across dozens of sources.
03
No Lender-Ready Output
Banks need DSCR, IRR, and sensitivity analysis in a recognized format. Without it, deals stall.
Same property. Same price.

The difference is
the model.

Metric
Coliving
Traditional
Purchase Price
$350,000
$350,000
Bedrooms
5 rooms @ $750/mo
3BR @ $1,800/mo
Gross Monthly Income
$3,750/mo
$1,800/mo
Cash-on-Cash Return
14.2%+63%
8.7%
Monthly Cash Flow
$825/mo
$310/mo
Break-Even
14 months
38 months

Illustrative example. Run your actual address for real numbers.

Platform Features

Everything your lender
will ask for. One report.

📊
Data-Driven Market Pricing
Fair Market Rent and Housing Wage data pre-loaded by zip code from U.S. Census data and federal housing research.
📈
Full Financial Analysis
Cap Rate, IRR, DSCR, ARV, Cash-on-Cash, and Post-Tax return — every metric your lender will ask for.
🚡
Visual Risk Assessment
Traffic-light system benchmarks each metric against industry standards. Know if a deal is bankable before you make an offer.
💾
Save and Export
Save unlimited scenarios, export as PDF or CSV. Share a direct link with your lender — no email attachments.
📱
Mobile-Ready
Run an underwrite from your phone at a property showing. Mobile-friendly, encrypted, no downloads required.
🏠
Side-by-Side Comparison
Coliving vs. Traditional on the same property, same price, same financing — make the case with numbers.
How It Works

From address to bank-ready
pro forma in four steps.

1
Enter Your Property
Address, bedrooms, price, financing. Market rent loads automatically for your zip code.
2
Review Market Rents
Pre-loaded FMR data and housing wage benchmarks. Adjust based on local knowledge.
3
Get Your Pro Forma
Full side-by-side: Coliving vs. Traditional across every metric — Cash-on-Cash, DSCR, IRR.
4
Share With Your Lender
Download a printable PDF or share a direct link. Bank-ready with sensitivity analysis.
Trusted By

Built for three types
of serious investors.

Real Estate Investor
You own or are considering a 3–6 bedroom property and want to know if coliving pencils out better.
Ran the numbers on a 5-bedroom before making an offer. The side-by-side comparison convinced me — and my lender — that the coliving model was the right play.
Marcus T.Real Estate Investor, Atlanta GA
Property Manager & Operator
You're pitching an owner on converting their property to coliving. You need defensible numbers.
Showed the owner the Coliving Calculator output and they approved the conversion on the spot. The numbers spoke for themselves.
Jessica R.Property Manager, Denver CO
Educator & Coach
You teach investors how to build wealth through real estate. This is the tool your students need.
Finally a tool I can recommend to my students without caveats. The data is sourced, the output is professional, and it actually models coliving correctly.
David K.RE Educator / Coach, Phoenix AZ
“I spent 10 years watching good deals die at the lender's desk — not because the numbers were bad, but because the spreadsheet didn't speak the lender's language.”
MBAKeynote SpeakerColiving OperatorLicensed RE Agent2,000+ deals21 markets
Pricing

Start free. Upgrade when
your deal demands it.

Beta pricing locked permanently. Lifetime tier closes at 100.

67
spots left
33 of 100 Founding Member spots claimed
Lifetime tier closes permanently at 100
Tier 01
Free
Try before you commit. No credit card.
$0/mo
3 full analyses — no account needed
Start Underwriting Free
  • 3 complete deal analyses
  • Cap Rate, NOI, Cash-on-Cash
  • Coliving vs. Traditional comparison
  • Zip code market rent data
  • Break-even timeline
Founding Member
Tier 03
Lifetime
Pay once. Underwrite deals forever.
$790 once
Breaks even in 16 months · free forever after
Claim Founding Spot
  • No renewals — ever
  • Rate locked permanently
  • All future features included
  • Priority support
  • Founding Member status
  • Closes at 100 — will not reopen
FAQ

Questions serious investors
actually ask.

Coliving underwriting is fundamentally different from traditional buy-and-hold analysis in four ways.

Revenue is per-room, not per-property. A standard calculator models one lease. Coliving generates revenue from each bedroom — understating gross potential by 30–60% in most markets.

Occupancy assumptions are different. Coliving demand is driven by local housing wage affordability, not lease turnover.

The expense structure is different. Utilities are bundled, common area maintenance is ongoing, and management costs are higher.

Lender scrutiny is higher. Your pro forma needs DSCR, IRR, sensitivity analysis, and a defensible rent basis.

Yes — the Pro tier output is specifically designed to be lender-presentable.

Lenders need: NOI on a per-room basis, DSCR (min 1.20–1.25), Cap Rate and IRR in standard format, Sensitivity Analysis, and a downloadable PDF pro forma.

Rent figures are sourced from HUD Fair Market Rent data — the same databases lenders use.

Every analysis is powered by a proprietary blend of public and institutional data.

HUD Fair Market Rent (FMR) data — the same benchmarks used by Section 8 housing vouchers.

Housing Wage data from the NLIHC showing the hourly wage needed to afford a market-rate room.

Every zip code maps to its county using official federal crosswalk data — never interpolated.

All U.S. markets — any zip code can be analyzed using pre-loaded Fair Market Rent and Housing Wage data.

Stress-tested across 21+ markets including Atlanta, Houston, Dallas, Tampa, Miami, Boston, Philadelphia, Phoenix, Denver, Los Angeles, and more.

No — the Free tier is fully accessible without an account or credit card. You get 3 full analyses.

An account is required only for Pro features: saving scenarios, exporting PDF/CSV, shareable lender links, and advanced metrics.

The Lifetime tier disappears permanently — no higher price, no waitlist. Hard cap at 100.

Beta pricing is locked in for all active accounts regardless of future increases.

Coliving typically generates 20–60% more gross rental income on the same property.

A 5BR home at $1,800–$2,200/mo as a single-family vs. $3,250–$4,500/mo as coliving rooms at $650–$900 each. That's 8% vs. 14%+ cash-on-cash.

The tradeoff: higher CapEx, higher operating costs, and more active management.

Stop losing coliving deals
at the lender's desk.

Your next pro forma — with real market data, DSCR, IRR — takes 60 seconds.

No credit card required3 free analysesShareable with your lender7-day money-back guarantee