Method
A second opinion with stated rules, not a hidden score.
A second opinion is useful only if you can see how it was produced. DulyCheck keeps the financial math deterministic, evidence labels under your control, property-risk prioritization explicit, and scenario conventions visible.
Underwriting math
Monthly P&I uses standard fully amortizing payments. Vacancy is taken off gross rent; management is charged on collected rent; maintenance and CapEx are charged on gross rent. NOI excludes debt service and the CapEx reserve; maintenance is an operating expense. Pre-tax cash flow is NOI minus the CapEx reserve minus debt service. Cash-on-cash is annual pre-tax cash flow over down payment plus rehab plus closing costs. DSCR is NOI over annual debt service and is reported N/A when there is no debt.
Evidence stays under your control
You grade each tracked assumption as Documented, Supported, Estimated, Assumed, or Missing. Screenshot and PDF intake can transcribe visible figures and carry source context into review, but extraction never promotes an evidence grade for you. A source note is not the same thing as independent verification.
Adaptive property diligence
The property profile changes which broader checks DulyCheck prioritizes. Property type, rental strategy, occupancy, age, HOA status, rehab plans, owner-paid utilities, inspection status, seller operating history, and financing structure can raise or lower the priority of tenant, physical, HOA, legal/use, insurance, operating-cost, financing, reserve, and exit questions. This prioritization is a checklist and workflow aid. It is not proof that those items were independently investigated.
One-variable sensitivity
Each tracked financial assumption is moved in the direction that hurts, one at a time, holding everything else fixed. DulyCheck solves for the point where monthly cash flow reaches $0 and, where solvable, the point where cash-on-cash falls to your stated minimum.
Decision-priority risk ranking
DulyCheck prioritizes the collision between proof weakness and financial exposure. A missing line is not automatically the most important risk. A supported assumption with a very thin decision cushion can be the first thing worth verifying. The internal ranking is used to order work, not presented as a 0-100 investment score.
Combined downside challenge
The current investment-property review challenges the three highest-ranked financial assumptions together. Each non-zero value moves 10% in the harmful direction; a zero-valued line moves by one representative unit. The stressed result is a repeatable challenge convention, not a forecast and not a probability that those changes will occur together.
Missing-cost and broader-risk checks
Standard expense categories at zero are surfaced as questions because a zero can be intentional or overlooked. The adaptive diligence layer separately surfaces property-specific areas that can matter even when they are not yet separate lines in the financial model, including leases, systems and condition, HOA reserves and assessments, insurance and hazards, licensing and use restrictions, operating history, financing terms, reserves, and exit/refinance risk.
Financing comparisons
DulyCheck can compare the financing already entered with a fully amortizing alternative using written terms you supply. The comparison uses the same deterministic underwriting engine and can include down payment, rate, amortization, points, and other lender fees. DulyCheck does not guess a market rate or treat an alternative as a loan approval. ARM resets, interest-only periods, balloons, prepayment penalties, recourse, lender reserves, and qualification rules require separate review of the actual term sheet.
Economics, Proof, and Resilience
Economics tests the supplied deal math, target return, and DSCR. Proof reflects the evidence state of the tracked assumptions. Resilience measures how much adverse movement the model can absorb. These judgments remain visible so the investor can see whether a problem comes from the economics, the evidence, or a thin cushion.
DulyCheck verdict
Weak takes precedence when Economics already Fails on the supplied assumptions. If economics does not already fail, weak proof produces Insufficient Evidence. Strong requires Economics Works, Proof Strong, and Resilience Strong. Economics Works with sufficient proof and resilience that is not Fragile can be Acceptable. Everything else is Borderline. The verdict is an analysis conclusion, not a recommendation to buy or sell.
What to verify next
DulyCheck does not stop at a verdict. It identifies the highest-value evidence or diligence gap to work on next, explains why it matters, and can point toward the document, professional, public record, or conservative assumption that would help settle it. Updating the same property creates a free revision rather than another new-property charge.
What DulyCheck organizes versus what it verifies
DulyCheck can put an issue on the checklist, explain how to settle it, and recalculate when you improve the evidence. That is different from independently proving the fact.
- · It does not independently certify public records, leases, tax bills, insurance quotes, uploaded claims, contractor statements, or provider information unless a feature explicitly says a specific source was verified.
- · It does not independently select rental comparables or establish verified market rent.
- · It can flag post-sale tax reassessment as a diligence issue, but it does not automatically determine the future assessed value or tax bill for every jurisdiction.
- · It can prioritize title, legal, zoning/use, environmental, hazard, HOA, tenant, and physical-condition checks, but it does not replace the attorney, title review, inspection, engineering work, insurance underwriting, or other professional process needed to settle those questions.
- · The current core model does not yet fully model a multi-year hold, appreciation, exit cap, resale value, selling costs, tax effects, or market liquidity.
- · It does not tell you to buy, pass, sell, refinance, submit an offer, or commit capital.
What document reading does do
Authenticated screenshot and PDF intake is a transcription aid, not an evidence-verification engine.
DulyCheck can read explicitly stated figures from supported screenshots and PDFs, show the extracted values for your review, and carry source context into evidence review. You still confirm the numbers and choose the evidence status before the deterministic analysis runs.
Optional final step
Then, if the deal matters enough, have Brandon challenge it too.
The automated workspace is designed to catch weak math, thin evidence and fragile assumptions. A human second opinion adds experienced judgment about the exact property and the decisions you are about to make.
For $199, Brandon Foster reviews the saved DulyCheck after the automated analysis. He is looking for the thing an investor may regret not asking before closing: the assumption that deserves more skepticism, the diligence item that needs proof, the execution risk that is easy to underestimate, or the price, credit or financing term that could better protect the deal.
It is not another AI score and it is not meant to manufacture problems. The written review tells you what Brandon would be comfortable with, what would make him pause, what he would verify next, and what could materially change his view. If timing matters, an available priority day can be added for $99, making the combined checkout $298 total.