Most buyers don't lose money because the deal was bad — they lose it because they didn't know what to check. Ridge Ratio scores your deal the way an experienced underwriter would, flags what's broken, and hands you a bank-ready memo. Experience, on demand.
Free deal test · No credit card required · Educational analysis only
Welcome back. Pick up where you left off.
The broker has done 200 deals. The lender has seen 2,000. You're on deal one, two, or five — and every mistake below was made by someone who thought the numbers looked fine.
Experience is just knowing what to check.
Ridge Ratio runs the full checklist a veteran would — debt reality, lender risk, red flags — and answers in 60 seconds.
No spreadsheets, no formulas to memorize, no underwriting background required. Enter what you know about the deal and Ridge Ratio walks you to the verdict — including the one thing inexperience almost always misses: whether the deal survives the debt.
Multifamily · $1.2M purchase · $120K NOI · $900K loan · 25-year amortization
The deal did not change. The debt did.
Ask Ridge AI anything about the deal in front of you. It reads your saved numbers, tells you what a lender would push back on, and explains it in plain English — like a patient mentor.
Based on the assumptions provided, this deal appears financeable but sensitive to rate movement. DSCR is 1.65x at 6.5%, but falls to 1.28x at 8.5%.
The main lender concerns are tax reassessment, insurance cost, and rent roll verification. To improve lender readiness, confirm updated taxes, request an insurance quote, and keep post-close reserves above six months of debt service.
Ridge Ratio turns your deal into a formatted lender memo — every number a bank needs, in the structure underwriters use. You look prepared, and deal #1 doesn't feel like deal #1.
The reviews above are real and verified — and here's what backs the numbers underneath.
Every deal is encrypted at rest and isolated to your account with row-level security. Your inputs are never used to train AI.
Security & data handling →DSCR, LTV, max loan, downside — every score is benchmarked against commonly used lender standards, with the actual formulas documented. No black box.
Read the methodology →Flat rate · Cancel anytime · Save up to 18% with annual billing
Free to start. No credit card required.
Debt feasibility test · Deal pipeline tracking · Risk scoring · Due diligence checklists · Ridge AI
One home for each deal — Ridge Score & verdict, capital structure, lender readiness, memos and proposal, all in one place. Your saved deals live in the Pipeline.
Accurate formulas for amortizing loans, IO periods, DSCR, max loan amount, max rate, break-even, and downside scenarios.
Ask questions, get explanations, generate lender memos, compare structures, and stress test assumptions in plain English.
Score your deal across 6 lender categories — cash flow, collateral, borrower strength, structure, market, and legal. Know your vulnerabilities before the bank does.
Full real estate due diligence checklists covering financial, physical, legal, lease, and market diligence — prioritized by critical, important, and standard.
Automatic red flag detection on every simulator run — DSCR issues, thin liquidity, high LTV, rate sensitivity, and borrower concerns flagged with exact dollar fixes.
0–100 deal score across financial strength, market context, and borrower strength — not just DSCR.
Start from real-world templates: multifamily, commercial, mixed-use, self-storage, retail, and more.
Generate professional deal memos, investment summaries, and lender-ready reports with one click.
Choose a scenario and Ridge Ratio pre-fills the right inputs and benchmarks.
Flat rate · Cancel anytime · Save up to 18% with annual billing
Your deals, scores, and analysis live in your private workspace. Sign in to pick up where you left off.
Track your deals, scores, risks, and next underwriting steps.
Track every acquisition from lead to close
Pick how deep to go — a 60-second gut check or a full underwriting workup. Standard is pre-selected, so you can start right away.
Describe a deal or ask a question. Ridge AI works through debt-service, leverage, lender-readiness, and acquisition-underwriting frameworks to answer one question: does this deal survive the debt? Attach an Excel model, PDF, or CSV and I'll read it.
Educational estimates only — not financial, legal, tax, or lending advice.
Your uploads are private, encrypted, and never used to train AI. How we protect your data
Start from a real-world scenario with pre-filled assumptions.
Score your deal the way a lender would — 100 points across 6 categories. Find your weaknesses before the bank does.
Score your deal across all 6 categories lenders evaluate — and see exactly where you're vulnerable.
Track every item a serious buyer and lender would review before closing.
Pick a deal to compare its 7 funding structures side-by-side, build a custom capital stack, and lock in your strategy.
How Ridge Ratio identifies and contacts you.
Tell Ridge Ratio what you usually evaluate so defaults and benchmarks match your workflow.
Your borrower details rarely change deal to deal. Save them once and reuse them on any Lender Readiness Score with one click.
Set how Ridge Ratio starts a new deal analysis. These are starting points — you can change any input per deal.
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Control your account data and saved deal information.
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Save your current analysis (DSCR, score, loan structure) to the pipeline. You can rename or move it later.
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