KHY HOME EQUITY
Investor-Minded Home Search Planner
Evaluate Homes the Way Investors Do
01Buyer Profile & Criteria
02Property Scorecard — Auto-Calculates
03MAO Calculator — Live Results
04Neighborhood Snapshot
055-Property Comparison
06Decision Framework
Buy Like an Investor. Live Like a Homeowner.
🔐
BEFORE YOU BEGIN

This planner was
built for you.

When you purchased this planner, you invested in a tool that took real time, research, and experience to build. That investment means something — and so does protecting it.

This planner is licensed for your personal use only. It is not to be copied, forwarded, shared, or redistributed in any form without written permission from KHY Home Equity.

If someone in your life could use this — a family member, a friend, a colleague — the best thing you can do for them is send them to us directly. They deserve their own copy, their own experience, and the full support that comes with it.

LICENSED TO
Optional — personalizes your copy of this planner

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Send them to khyhomeequity.com

Buyer Profile

Define Your Criteria First
💡 Use your browser's Print → Save as PDF to save your completed planner
PERSONAL INFO
MY SEARCH CRITERIA
NON-NEGOTIABLES
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Property Scorecard

Rate What Actually Matters
LOCATION & NEIGHBORHOOD

Enter 1 (poor) to 10 (excellent)

Preferred School District
Does this area match your preference?
1 to 10
Job Center Proximity
Drive time to your workplace
1 to 10
Neighborhood Trajectory
Improving / stable / declining
1 to 10
Neighborhood Vibe & Feel
Trust your instincts — walk the block
1 to 10
Walkability & Amenities
Grocery, parks, dining nearby
1 to 10
LOCATION SUBTOTAL
—
/ 50
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Property Scorecard

Condition & Financial Metrics
PROPERTY CONDITION

Enter 1 (poor) to 10 (excellent)

Roof Condition
Age, material, visible damage
1 to 10
Foundation & Structure
Cracks, settling, water issues
1 to 10
HVAC Systems
Age and overall condition
1 to 10
Plumbing & Electrical
Updates, panel, water heater
1 to 10
Interior Update Opportunity
Score each space. Uglier = more equity potential.
Enter 1 to 4
/ 4
Enter 1 to 3
/ 3
Enter 1 to 3
/ 3
COMBINED / 10
—
CONDITION SUBTOTAL
—
/ 50
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Property Scorecard

Financial Metrics
FINANCIAL METRICS

Enter 1 (poor) to 10 (excellent)

Price vs Comparable Sales
Is list price justified by comps?
1 to 10
Equity at Purchase
Value minus purchase price
1 to 10
Renovation Opportunity
More to update = more equity upside
1 to 10
Monthly Payment Fit
Does PITI work for your life?
1 to 10
Appreciation Potential
Market trajectory and upside
1 to 10
FINANCIAL SUBTOTAL
—
/ 50
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Scorecard Total

What Do the Numbers Say?
TOTAL SCORE
— / 150
120 – 150STRONG BUY
90 – 119CONSIDER
Below 90PASS
YOUR INVESTOR VERDICT
Enter your scores to see your verdict
SCORE SUMMARY
Location
—
/ 50
Condition
—
/ 50
Financial
—
/ 50
PROPERTY NOTES
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MAO Calculator

Maximum Allowable Offer
OWNER-OCCUPIED INVESTOR FORMULA
MAO = (ARV × 0.90) − Estimated Repairs
90% threshold = strong equity for primary residence buyers
After Repair Value (ARV)
What is it worth fully updated?
$
× 0.90
Owner-occupied equity threshold
0.90
= Base Value
ARV × 0.90 — auto-calculated
$ —
− Estimated Repair Costs
Get a real estimate — honest, not hopeful
$
= YOUR MAO
Max you should pay. Offer at or below.
$ —
List Price
What they are asking
$
Difference (MAO vs List)
Positive = opportunity. Negative = walk.
$ —
Type ARV and Repair Costs — Base Value, MAO, and Difference update instantly
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Neighborhood Snapshot

Know the Market Cold
MARKET STATS
COMPS — RECENT SALES
MARKET DIRECTION
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5-Property Comparison

Side by Side. Pick the Winner.

One column per property. P1 pulls from your entered data.

P1 auto-fills List Price, MAO, Equity, Sq Ft, Beds/Ba, Scorecard, and Reno Cost from your earlier inputs. Year Built, Gut Feel, and Verdict are filled manually.
CRITERIA P1 ★P2P3P4P5
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Decision Framework

From Interested to Offer
OFFER CHECKLIST

Check every box before you authorize an offer.

NUMBERS FIRST
EMOTION CHECK
FINANCIAL READY
MY DECISION

"The numbers tell the truth.
Your emotions lie."

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