How is coliving underwriting different from standard rental analysis?

Coliving underwriting is fundamentally different from traditional buy-and-hold analysis in four ways. First, revenue is per-room, not per-property. Second, occupancy assumptions are different. Third, the expense structure is different. Fourth, lender scrutiny is higher because coliving is a non-standard rental model.

Can I present a Coliving Calculator analysis to a bank or lender?

Yes — the Pro tier output is specifically designed to be lender-presentable. The rent figures are sourced from HUD Fair Market Rent data and federal housing research — the same databases lenders use to stress-test rental income assumptions.

What markets does Coliving Calculator cover?

Coliving Calculator covers all U.S. markets — any zip code in the country can be analyzed using pre-loaded Fair Market Rent and Housing Wage data. The platform has been stress-tested across 21+ markets.

Privacy Policy | Coliving Calculator

1. Information We Collect

Identifiers & Contact Info: Name, email, account details, billing information.
Usage Data: Device, browser, IP, access logs, interactions with the Service.
Customer Data: Any data you input into the Service (e.g., property financials, projections, deal information).

We do not knowingly collect personal data from children under 16.

2. How We Use Data

To provide, secure, and improve the Service.
To process payments, manage subscriptions, and provide customer support.
To comply with legal obligations.
To generate aggregated or de-identified data for analytics and product improvements.
To facilitate lender matching, where you have provided prior express written consent.

We do not sell personal data, except as described in Section 4 below.

3. Legal Bases (for EU/UK Users)

Performance of a contract.
Compliance with legal obligations.
Legitimate interests (e.g., security, analytics).
Consent (where required, e.g., marketing, lender matching).

4. Sharing Information

We may share data with:

Vendors/Processors (hosting, billing, support).
Legal/Regulatory Authorities (where required by law).
Business Transfers (mergers, acquisitions, asset sales).
Lender Partners — When you submit a deal and provide prior express written consent for lender matching, we share your deal information with matched lender partners for their independent use in evaluating and contacting you regarding financing. This sharing is based on your explicit consent and is a core function of the Lender Match feature.

California Residents: The sharing of personal data with lender partners for their commercial use may constitute “sharing” under the California Privacy Rights Act (CPRA). California residents have the right to opt out of such sharing. See the “Do Not Sell or Share” section below. We do not share personal data with advertisers for targeted marketing without consent.

5. Data Retention

We retain personal data only as long as necessary for Service delivery, legal compliance, or legitimate business needs.

6. Security

We implement reasonable safeguards, but no method of transmission or storage is 100% secure.

7. Your Rights

EU/UK: Access, correction, deletion, portability, restriction, objection.
California: Right to know, delete, correct, and opt out of “selling” or “sharing” personal data for cross-context behavioral advertising or for third-party commercial use.
All Users: Opt-out of marketing communications at any time.

Requests: support@colivingcalculator.com

8. International Transfers

Data may be transferred and stored in the U.S. and other jurisdictions. We use safeguards such as Standard Contractual Clauses where required.

9. Cookies & Tracking

We use cookies and similar technologies for essential operations, analytics, and (with consent) marketing.

10. Do Not Sell or Share (California Residents)

California residents have the right under the CPRA to opt out of the “sale” or “sharing” of their personal data. To exercise this right:

Email us at support@colivingcalculator.com with subject line “Do Not Sell or Share My Personal Information”; or
If a Do Not Sell/Share link is available on our site, click it and follow the instructions.

We will process your request within 15 business days. Note that opting out of lender data sharing will disable the Lender Match feature for your account, as that feature requires sharing your deal data with lender partners.

11. California “Shine the Light”

California residents may request, once per year, information about disclosures of personal data to third parties for their direct marketing purposes. Contact support@colivingcalculator.com.

12. Changes

We may update this Privacy Policy. Material changes will be communicated via the Service or email.