After a score, the next question is rarely about that deal alone. It is "how does this compare with the duplex down the street" or "what if I bought something smaller with cash." REIzer AI now answers that in one step.
Both deals, one table
We asked REIzer to score a fourplex: $600,000, four units at $1,600 a month, 50 percent down at 7.5 percent over 30 years. It came back Strong, 88 out of 100, with $1,825 a month of cash flow and a DSCR of 1.87. Then we asked: "compare it with a duplex for $300k, the same rent per unit, bought with cash."
REIzer scores the duplex on those numbers. It reads "the same rent per unit" as the $1,600 from the fourplex it has already scored, and puts both deals in one table. The fourplex comes back as Analysis 1, unchanged, rather than being typed in a second time. The duplex scores 89, with $1,961 a month of cash flow and 7.65 percent cash-on-cash, against the fourplex's 6.95 percent.
Until now, a new deal in a comparison like this could be dropped from the table, with a note under it that was meant for the model rather than for you. That is fixed. If you describe a deal without its rent, REIzer asks you for it instead of filling one in.
Break-evens for all-cash deals
A deal bought with cash has no loan, so no interest rate can break it. The score card still drew a rate row, took the edge of its search range as the answer, and told a Strong all-cash duplex that its "rate is 5.5 pts past the limit." All-cash rentals and multifamily deals now have no rate row.
The rent break-even had the same edge problem and could land above the actual rent. The duplex really breaks even at $624 a month against $3,200 of rent, and it can absorb about 82 percent vacancy. Vacancy used to stop at 60 percent, as if that were the answer. The rent-roll row, which never appeared on multifamily cards in the chat, now shows up there too. The rental and multifamily analyzer pages use the same numbers.
Leverage, measured the right way
Borrowing at 7.5 percent to buy a property with a 7.85 percent cap rate sounds like positive leverage. It is not. A year of payments on a 30-year loan at 7.5 percent, principal included, comes to 8.39 percent of the loan, which is more than the property earns. REIzer now works that out on every financed rental, short-term rental and multifamily score, and says which way leverage cuts. For the fourplex, borrowing lowers the cash return compared with paying cash, though paying down the principal still builds equity. That is why the financed fourplex returns 6.95 percent on cash and the all-cash duplex 7.65 percent.