Question 1

How is coliving underwriting different from standard rental analysis?

Accepted Answer

Coliving underwriting is fundamentally different from traditional buy-and-hold analysis in four ways. First, revenue is per-room, not per-property. Second, occupancy assumptions are different. Third, the expense structure is different. Fourth, lender scrutiny is higher because coliving is a non-standard rental model.

Question 2

Can I present a Coliving Calculator analysis to a bank or lender?

Accepted Answer

Yes — the Pro tier output is specifically designed to be lender-presentable. The rent figures are sourced from HUD Fair Market Rent data and federal housing research — the same databases lenders use to stress-test rental income assumptions.

Question 3

What markets does Coliving Calculator cover?

Accepted Answer

Coliving Calculator covers all U.S. markets — any zip code in the country can be analyzed using pre-loaded Fair Market Rent and Housing Wage data. The platform has been stress-tested across 21+ markets.