DSCR underwriting depends on whether a property's rental income supports its debt. That determination has relied on manual appraisals that take weeks and often result in last-minute repricing. With investors purchasing 33% of single-family homes in Q2 2025, workflows built on borrower-stated rent estimates can't keep up.
A Rental AVM delivers a Fair Market Rent estimate in seconds using MLS data and comps. Angel Oak and Clear Capital announced an industry-first integration: rental income locked at pre-qual, giving brokers confidence the loan closes as quoted. Clear Capital's model covers 85M+ properties with a 6.65% error rate vs. Form 1007.
"For the first time, borrowers and investors can have a higher surety of execution from day one… faster timelines, fewer surprises and happier borrowers."
Hitch DSCR Platform
Rental validation, underwriting, and borrower intake — one white-label experience:
- Qualify on property income — no W-2s or tax returns
- Integrated rental AVMs — cash flow analysis at application
- Days, not weeks — digital workflow to closing
- Entity support — built for LLCs and portfolio investors