Two figures sit at the far right of every deal page: a letter grade, and a target offer. Both come directly out of stressed DSCR.
Grade: relative, not absolute
Grade A/B/C ranks a listing against every other listing screened in the same cycle, by stressed DSCR — A is roughly the top 10% of that batch, not a fixed cutoff like "stressed DSCR above 1.3x is always an A." That has a real consequence: a listing that grades A this cycle could grade B next cycle if the overall batch gets stronger, with nothing about the property itself changing. A grade is a ranking within a specific list, never a lender's pre-approval or a guarantee of financing.
Target offer: what it would take to clear the cushion
Target offer is the purchase price that would bring the stressed DSCR up to our 1.25x comfort line, given the property's real (or estimated) NOI. In plain terms: if the asking price doesn't already clear 1.25x under the stress case, target offer tells you roughly what you'd need to negotiate the price down to in order to get there. If the asking price already clears 1.25x on its own, we show "clears at ask" instead of a lower number.
On the free tier, this shows as a rounded discount band rather than an exact dollar figure — membership unlocks the specific number alongside the exact address and price.
How to actually use these two numbers
Grade is a fast sort — it tells you where a listing sits relative to everything else this cycle. Target offer is your starting point for negotiation — it's the number that would make the deal comfortable under a conservative case, not just possible under a rosy one.