Articledeal_analysisphantom_financefeaturessoftware
Algorithmic ICR & BRRR Stress Testing
Instantly model complex Interest Cover Ratios (ICR) and BRRR capital extraction scenarios against volatile base rates. The engine automatically flags shortfalls before you submit your application.
Institutional-Grade Deal Stress Testing
Stop relying on fragile spreadsheets. The Phantom Deal Engine programmatically applies standard lender ICR stress tests (e.g., 145% at 5.5%) in real-time, instantly adjusting for personal vs. limited company tax structures. It automatically highlights capital shortfalls, calculates maximum borrowing capacity based on localized rental yields, and models post-refinance capital extraction for advanced BRRR strategies.