Most home search sites make you dig through listings and then run the numbers yourself in a spreadsheet. This page does both in one place, for free, with no sign-up.
Step 1 opens a live MLS search built for a specific investing strategy. Step 2 grades any property in about 30 seconds: type the ZIP code and price, and it fills in the rent for that exact ZIP code from the U.S. Department of Housing and Urban Development (HUD) 2026 rent figures, then shows cash flow, cap rate, cash-on-cash return, debt coverage, the 1% rule, and what to offer. Step 3 gets you the deals that never show up in a search at all.
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How the deal grade works
Every property gets up to 9 points. Cap rate earns 2 points at 8% or better and 1 point at 6%. Cash-on-cash return earns 2 points at 10% and 1 point at 6%. Debt coverage earns 2 points at 1.25 and 1 point at 1.10. The 1% rule earns 2 points when monthly rent is at least 1% of the price plus rehab, and 1 point at 0.8%. One more point if the property clears $100 a month per unit in cash flow. 8 or 9 points is an A. 6 or 7 is a B. 4 or 5 is a C. 2 or 3 is a D. Anything lower is an F.
The grade is a first screen. It tells you which listings deserve a closer look and which ones to skip, so you spend your time on the few that can work.
Frequently asked questions
Where do the rent numbers come from?
From HUD's fiscal year 2026 Small Area Fair Market Rents, which HUD publishes for every ZIP code in the Louisville metro, Kentucky and Southern Indiana. These are the numbers housing authorities use for Section 8 vouchers. HUD's figure includes utilities, so if your tenants pay their own utilities, the rent you collect is usually a little lower. You can type over the rent any time.
Is a good grade enough to make an offer?
No. It means the deal is worth a real look. Before you offer, have a Winner Realty agent pull rent and sale comps, check the property taxes on the actual bill, and walk the property for repairs the listing photos do not show.
What is the 1% rule?
A quick test investors use: monthly rent should be at least 1% of what you pay for the property, including rehab. A $150,000 all-in duplex should rent for at least $1,500 a month total. It is a rough filter, not a guarantee of cash flow.
What is a cap rate?
Capitalization rate, or cap rate, is the property's yearly net operating income divided by what you paid for it. Net operating income is rent minus vacancy, taxes, insurance, management and repairs, before the mortgage. It lets you compare properties as if you paid cash.
Can you find deals that are not on the MLS?
Yes. Our private marketplace, OffMarket.deals, has 70,000+ buyers, and Rob sends his Top Five deals and Top Five lowball targets every morning. Email the word FIVE to rob@thewinnerrealty.com to get them, or set your buy box and new matches come to you.