Deterministic Underwriting Engine

Institutional-Grade Risk Modeling for LTR Investors

Most tools show ideal outcomes. Livara stress-tests downside scenarios — rent compression, vacancy spikes, rate hikes — to reveal how deals perform when conditions deteriorate.

DSCR Analysis
Monte Carlo Scenarios
Break-even Modeling
98% US Coverage

How It Works

From address to actionable insights in 5 simple steps.

1

Log In

Create your free account or sign into your dashboard.

2

Find an Address

Browse any listing platform for properties you're interested in.

3

Enter the Address

Input the property address into our underwriting system.

4

Get Full Insights

Receive comprehensive analytics, risk scores, and scenario modeling.

5

Make the Decision

Use our BUY/PASS/CONDITIONAL recommendation to act with confidence.

Why Livara?

Built by investors, for investors who care about downside protection.

Risk-First Philosophy

Unlike other tools that optimize for best-case scenarios, Livara stress-tests every deal against adverse conditions before showing you the upside.

Clear Decision Output

No more analysis paralysis. Every property gets a clear BUY, PASS, or CONDITIONAL recommendation based on quantified risk thresholds.

AI-Powered Interpretation

Ask follow-up questions about your analysis. Our AI explains complex metrics and suggests exit strategies in plain language.

The Underwriting Engine

Four interconnected layers that transform raw property data into actionable investment decisions.

Property Fundamentals

  • Property specs & location data
  • Market rent calibration
  • Comparable analysis

Income Layer

  • Multi-scenario rent projections
  • Vacancy rate modeling
  • Rent growth assumptions

Expense Layer

  • Location-adjusted taxes
  • Insurance risk modeling
  • CapEx & maintenance reserves

Financing Layer

  • Loan structure modeling
  • DSCR calculations
  • Interest rate sensitivity

Output Metrics

Cash Flow
Monthly NOI projection
Cap Rate
Yield on purchase price
Cash-on-Cash
Return on invested capital
DSCR
Debt service coverage
Break-even
Minimum occupancy threshold
Decision
BUY / PASS / CONDITIONAL
Key Differentiator

Stress-test every deal before you buy it

Liveara doesn't assume stability. It tests what happens when rent drops, vacancies rise, and rates climb.

Scenario Modeling Engine

Base Case

Current market conditions, conservative estimates

Downside Case

+5% vacancy, +10% expenses, flat rent

Stress Case

-15% rent, +2% rates, extended vacancy

Sensitivity Analysis

Rent Sensitivity-10% to -20%

Tests income compression

Vacancy Sensitivity5% → 15%

Tests occupancy risk

Rate Sensitivity+100bp → +200bp

Tests financing stress

Risk Assessment Output

Risk Score
Low / Medium / High
Failure Points
Identified & Quantified
Margin of Safety
Calculated at each tier
Final Decision
BUY / PASS / CONDITIONAL

Strategy-Specific Calculators

Purpose-built tools for the modern investment lifecycle.

LTR Calculator

Analyze long-term rental viability with deterministic CAGR modeling and automated expense ratios.

BRRRR Module

Model the buy, rehab, rent, refinance, repeat cycle with precise stabilization timing and refi sensitivity.

DSCR Analysis

Verify loan coverage ratios against fluctuating interest rates to ensure debt service resilience.

1031 Exchange

Map tax-deferred growth and reinvestment outcomes to maximize capital preservation during disposition.

Livara vs. Traditional Tools

How we compare to spreadsheets and popular analysis platforms.

FeatureSpreadsheetsDealCheckMashvisorLivara
Rent EstimatesmanualML-calibrated
Expense Modelingmanualbasicbasiclocation-adjusted
Scenario Modelingmanuallimitedfull
DSCR / Financing Analysismanualbasiccore
Risk Scoring
Buy/Pass Decision
AI Analysis & Follow-ups
Market Heatmaps50 states
Side-by-Side Comparisonmanual

DealCheck offers quick deal analysis across property types. Mashvisor specializes in market research and STR analytics. Livara focuses on risk modeling and investment decision support.

Built for Professional Investors

Free

$0/mo
  • Up to 3 properties
  • Full Scenario Modeling Engine
  • LTR, BRRRR, DSCR, and 1031 Calculators
  • Heatmap covering all 50 states
  • Side-by-Side Comparison
Recommended

Blue

$39.99/mo
  • Up to 40 properties per month
  • Institutional Underwriting Engine
  • Full Scenario Modeling Engine
  • LTR, BRRRR, DSCR, and 1031 Calculators
  • AI Followups (80 questions/mo)
  • Heatmap covering all 50 states
  • Side-by-Side Comparison
  • Advanced Market Analytics
  • Full Raw Property Report (Exportable)
Power User

Gold

$79.99/mo
  • Up to 75 properties per month
  • Institutional Underwriting Engine
  • Full Scenario Modeling Engine
  • LTR, BRRRR, DSCR, and 1031 Calculators
  • AI Followups (165 questions/mo)
  • Heatmap covering all 50 states
  • Side-by-Side Comparison
  • Advanced Market Analytics
  • Full Raw Property Report (Exportable)
  • Priority Customer Support

Stop guessing if deals work.
Start testing if they survive.

Built for investors who care about downside first — not just upside projections.