What is IDEAL Scoring for rental properties?

IDEAL Scoring v2.0 is an investment evaluation framework developed by DoorVault that prioritizes capital velocity (how fast you recycle capital into the next deal) over simple cash-on-cash return. It evaluates five dimensions: equity created (30%+ = IDEAL), cashflow above a $150/mo hard floor, capital recycling percentage at refi, rehab complexity, and Section 8 FMR viability. A deal scores 0-100 and receives a verdict: IDEAL, PASS, NEAR-MISS, or FAIL.

How does the Section 8 FMR comparison work?

This analyzer runs the full IDEAL underwriting twice: once with market rent from Market Insights comparable data, and once with the Section 8 Fair Market Rent (FMR) for the property's zip code and bedroom count from HUD data. You see both cashflow figures, velocity ratings, and capital locked side by side, with a recommendation on which strategy produces better returns for that specific property.

What is the LTV step-down path?

When the maximum 80% LTV cash-out refinance would produce cashflow below the $150/month floor, IDEAL Scoring automatically steps down the LTV: 80% > 75% > 70% > 65% > 60%, stopping at the LTV that maintains positive cashflow. This shows you the exact refinance structure needed for the deal to work, and how much capital stays locked at each step.

Is this the same analyzer used inside DoorVault?

Yes. This is the exact same IDEAL Scoring v2.0 engine that DoorVault investors use internally, with the same formulas, thresholds, and dual rent scenario logic. The difference is that the free version limits you to 3 analyses per day and does not save deals to a portfolio or send Knox AI alerts.

Free Rental Property Deal Analyzer — IDEAL Scoring v2.0

Q: What is capital velocity in real estate investing?

Capital velocity measures how quickly you recover your invested capital through a BRRR refinance so you can deploy it into the next deal. The investor who recycles capital fastest builds the largest portfolio. IDEAL Scoring v2.0 weights capital recycling at 35 out of 100 points, making it the second-largest factor after equity creation (40 points).

Run any deal through IDEAL Scoring. Free.

The same analysis DoorVault investors use. Dual rent scenarios, capital velocity, Section 8 FMR. No spreadsheet. No account required.

Property address

Asking / offer price

Rehab estimate

ARV

Monthly rent

Taxes / mo

Insurance / mo

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DoorVault IDEAL Scoring v2.0 • doorvault.app/analyze

IDEAL VERDICT

IDEAL

VELOCITY

ROCKET

0 / 100

Loading analysis...

Equity Created

0/40

Capital Recycling

0/35

Cashflow Above Floor

0/15

Rehab Simplicity

0/10

Dual Rent Scenario

Section 8 rent estimated at 80% of HUD Fair Market Rent for this zip code and bedroom count

Metric	Market Rent	Section 8 FMR

Validation Gates

Financial Breakdown

Protect This Investment

Based on this property's details, here's your estimated landlord insurance cost.

Underwriting Profile

Eduardo's IDEAL Scoring v2.0 with capital velocity focus.

What-If Scenarios

Offer Price $—

$0$500K

Rehab Cost $—

$0$150K

Interest Rate 6.25%

4%12%

Monthly Rent $—

$500$5K

Expense Assumptions (% of gross rent deducted from NOI)

Vacancy 0%

0%15%

Maintenance 0%

0%15%

CapEx 0%

0%15%

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What is IDEAL Scoring v2.0?

IDEAL Scoring is an investment evaluation framework built on one insight: the investor who recycles capital fastest builds the largest portfolio. Most deal analyzers show you cash-on-cash return. IDEAL Scoring shows you capital velocity.

It evaluates every deal on five dimensions and produces a 0 to 100 priority score alongside a verdict: IDEAL (30%+ equity), PASS (20%+ equity), NEAR-MISS (18%+ equity), or FAIL. A deal can be IDEAL but SLOW velocity, meaning great equity but capital stays locked after refi. Or PASS with ROCKET velocity, meaning you recover all your capital fast despite thinner margins.

How the score is calculated

Equity Created (40 pts): ARV minus total cost divided by total cost. 40%+ equity = 40 points.
Capital Recycling (35 pts): How much of your initial investment you recover at refi. 100% recovery = 35 points. This is the capital velocity score.
Cashflow Above Floor (15 pts): Bonus for cashflow beyond $150/mo. $350+/mo = max 15 points.
Rehab Simplicity (10 pts): Lower rehab relative to purchase price scores higher. Turnkey = 10 points.

Why Section 8 FMR matters

Section 8 FMR (Fair Market Rent) is the HUD-published maximum rent HAP payments cover in a given zip code by bedroom count. For Section 8 landlords, this is the actual rent ceiling. This analyzer runs the full underwriting twice: once with Market Insights market comparable rent, once with the HUD FMR, so you can see exactly which strategy cashflows better for a specific property and decide before you make an offer.

The $150/mo cashflow floor

Any deal producing less than $150 per month after all expenses, including property management, taxes, insurance, and debt service, fails the hard cashflow gate regardless of equity or score. This is not negotiable. If $150/mo is not achievable at 80% LTV, the analyzer steps down the refi LTV in 5% increments until it is: 80% > 75% > 70% > 65% > 60%.

About DoorVault

DoorVault is an AI-powered platform that automates the back office of rental property ownership. Knox AI reads documents, processes PM statements, tracks expenses, monitors compliance, and generates portfolio analytics so investors can focus on acquiring the next deal. Start free with up to 2 properties and 20 Knox AI queries per month.