Valuation & Rent Schedule Rescue Desk · loanzone.tv · Loan Daddy LLC (NMLS #2827624)

Form 1007 / 1025 Appraisal ROV & Rent-Schedule Rebuttal Workbench

Bottom Line Up Front: When a Form 1007 (single-family) or Form 1025 (2–4 unit) market rent schedule comes back artificially low and pushes your DSCR below 1.00x, you have three execution paths through Loan Daddy LLC (NMLS #2827624): (1) Submit a 3-Comp Reconsideration of Value (ROV) through our investor AMC panel, (2) Pivot to an AirDNA Short-Term Rental DSCR shelf (90% usable revenue factor), or (3) Close as-is on a Sub-1.00x / No-Ratio DSCR shelf up to 75% LTV without delaying closing.

1. Enter Appraised Form 1007 Rent vs. Replacement Comparable Rentals

Subject Property Label

Low Appraised 1007 Rent ($/mo)

Monthly PITIA + HOA ($/mo)

Replacement Comp #1 ($/mo)

Replacement Comp #2 ($/mo)

Replacement Comp #3 ($/mo)

AirDNA Monthly Rev ($/mo)

Underwriting Path	Qualifying Monthly Rent	Resulting DSCR	Wholesale Shelf Eligibility
As-Is Low Form 1007 Rent	$3,150/mo	0.95x	Eligible on Sub-1.00x / No-Ratio DSCR Shelf (Up to 75% LTV)
Post-ROV Reconciled Comp Rent	$3,833/mo	1.16x	Restores Prime 1.00x–1.25x DSCR Shelf (Up to 80% LTV)
AirDNA STR Pivot (10% Haircut)	$4,320/mo	1.31x	Bypasses Low 1007 via AirDNA Rentalizer STR Shelf

Auto-Generated ROV Dispute Brief

Copy Narrative or Pivot Shelves

RECONSIDERATION OF VALUE (ROV) & FORM 1007 MARKET RENT SCHEDULE REBUTTAL

Subject Property: Scottsdale / Phoenix Rental Asset

1. Current Appraiser Form 1007 Opinion of Market Rent: $3,150/mo (0.95x DSCR against $3,300/mo PITIA).

2. Verified Comparable Rental Evidence: Comp #1 ($3,750/mo), Comp #2 ($3,850/mo), and Comp #3 ($3,900/mo) support a reconciled market rent of $3,833/mo (+$683/mo variance), restoring qualifying DSCR to 1.16x.

3. Alternative Wholesale Execution Path (If Appraiser Declines Revision): Pivot immediately to Loan Daddy LLC (NMLS #2827624) AirDNA Short-Term Rental DSCR Shelf ($4,320/mo usable income at 90% factor = 1.31x DSCR) or Sub-1.00x No-Ratio DSCR Shelf (accepts 0.95x as-is up to 75% LTV).

Send ROV + No-Ratio / AirDNA Rescue to Loan Daddy →

Low 1007 Playbook Exception Desk