Built on HUD, Census, FEMA and Freddie Mac records
The true numbers on any U.S. home.
What a home costs to live in, earns as a rental or with a Section 8 voucher, and nets as a flip, side by side. Every number names its source and date.
2128 Hampstead Rd, Cleveland Heights, OH 44118
Example price $120,000 · 3 bed, 1 bath
analyze_property · run Nov 15, 2026
- Address
- Flood map
- Mortgage rate
- Rents
- Four strategies
Public record
4 sources answered- Flood Zone XFEMA map, effective December 3, 2010Outside SFHA
- 7.11% 30-year fixedFRED MORTGAGE30US (CSV), Nov 12, 2026Estimated
- Voucher payment standardCMHA schedule, Jan 1, 2027Verified
- Area median rentCensus ACS table B25031 (large data file), Dec 31, 2024Estimated
Four strategies, one scale
monthly, in or out- Live in it−$1,249 cost a month, before utilitiesEstimated
- Rent it out+$141 cash flow a monthEstimated
- Section 8highest cash flow+$153 cash flow a monthVerified
- Fix and flip−$1,517 holding cost a monthEstimated
Example inputs on a real HUD-owned home. Not a listing or an offer.Change the price and see every line
Every figure traces to public records
- HUD
- U.S. Census Bureau
- FEMA
- Freddie Mac via FRED
- Housing authorities
An address and a price go in. What the home costs to live in, earns rented or with a voucher, and nets as a flip comes out, on the same assumptions, with every number's source and date beside it.
- voucher households in HUD's housing authority data
- 2,830,101
- housing authorities in HUD's list; 10 with both schedules Verified from their own documents
- 3,776
- of those households live where rent to owner can be Verified
- 12.1%
Counted live from HUD's Public Housing Authorities data, loaded November 14, 2026. Everywhere else, voucher rent is Estimated from HUD's Fair Market Rents and labeled that way. See coverage by authority
Try the example
Change the price. Every strategy moves.
Three example prices on one real home. Each line carries its stamp, its source and the date that source took effect.
Example property
2128 Hampstead Rd
Cleveland Heights, OH 44118 · 3 bed, 1 bath
Live in it
10% down, 30-year fixed
- Monthly
- −$1,249 cost a month, before utilities
- Upfront
- $15,600down payment and closing
- Bottom line
- Mortgage payment$727 at 7.11%
- Confidence
- Estimatedmodeled costs
SourcesHow strategies work, Estimated, Nov 15, 2026FRED MORTGAGE30US (CSV), Estimated, Nov 12, 2026
Rent it out
20% down, market tenant
- Monthly
- +$141 cash flow a month
- Upfront
- $27,600cash invested
- Bottom line
- Downside case−$140 a month
- Confidence
- Estimatedarea median rent
SourcesCensus ACS table B25031 (large data file), Estimated, Dec 31, 2024How strategies work, Estimated, Nov 15, 2026
Section 8
20% down, voucher tenant
- Monthly
- +$153 cash flow a month
- Upfront
- $27,600cash invested
- Bottom line
- Voucher rent$1,704 a month
- Confidence
- Verifiedauthority's schedule
SourcesCMHA schedule, Verified, Jan 1, 202724 CFR 982.507, Verified, Jan 1, 2027How cash flow works, Estimated, Nov 15, 2026
Fix and flip
10% down, sell after 6 months
- Monthly
- −$1,517 holding cost a month
- Upfront
- $12,000down payment, before closing and rehab
- Bottom line
- Base-case profit−$7,702
- Confidence
- Estimatedlow confidence: the ARV is yours, with no comps to support it
SourcesHow strategies work, Estimated, Nov 15, 2026
Flood Zone X: area of minimal flood hazard, outside the special flood hazard area
FEMA flood map query (JSON) panel 39035C0093E, effective December 3, 2010; read at the geocoded point (address-range interpolation), not a survey or elevation certificate.
Mortgage rate 7.11%, 30-year fixed
EstimatedFRED MORTGAGE30US (CSV) weekly average, effective November 12, 2026
Example inputs, not a listing or a sale: the address is real (a HUD-owned home); the prices, ARV and rehab budget are examples.
Price $120,000, after-repair value $175,000, rehab budget $30,000, condition unknown. Snapshot of the analyze_property tool, run November 15, 2026, engine strategies-1.
What it covers
Four ways to hold a home, plus its flood risk
The specialist part
Section 8 rent from the housing authority's own schedule
The voucher pays the authority's payment standard minus its utility allowance. Here is that sum for a 3-bedroom house in Cleveland's ZIP 44105 today, read live from the data behind every analysis. It is a different home and ZIP from the example above (44118), so its rent differs.
3-bedroom house, Cleveland, Ohio 44105, lease starting January 14, 2027
Cuyahoga Metropolitan Housing Authority
$1,559
Utility allowance
Tenant pays space heat (natural gas), cooking (natural gas), water heating (natural gas), other electric (electric), water, sewer, trash
VerifiedCMHA scheduleeffective January 1, 2027
− $465
Rent to owner
Line 1 minus line 2, before the rent reasonableness check
Verified24 CFR 982.507effective January 1, 2027
$1,094
This week's mortgage rate
Every owner and investor case is financed at the latest weekly rate, read live.
7.11%30-year fixed, week of Nov 12, 2026
EstimatedProperty risk
FEMA's flood zone at the address. For 2128 Hampstead Rd: Zone X, outside the special flood hazard area (FEMA map, effective December 3, 2010).
- V, VECoastal, high
- A, AEHigh, in SFHA
- X shadedModerate
- This homeXMinimal
Living in it
Monthly cost at this week's 30-year rate, with taxes, insurance, PMI and upkeep, and the cash to close.
2128 Hampstead Rd at $120,000, example
−$1,249cost a month, before utilitiesEstimated
How strategies work, Nov 15, 2026
Renting it out
Cash flow, cap rate, cash on cash and DSCR from the area's Census rent, plus a downside case.
2128 Hampstead Rd at $120,000, example
+$141cash flow a monthEstimated
Census ACS table B25031 (large data file), Dec 31, 2024
Fixing and flipping
Maximum offer by the 70% rule and by all costs, and profit in three cases from your ARV and comps.
2128 Hampstead Rd at $120,000, example
−$7,702base-case profitEstimated
How strategies work, Nov 15, 2026
From your assistant
The same analysis in Claude, ChatGPT, Gemini, Muse or a code editor, over MCP or the REST API.
Example prompt: Analyze 2128 Hampstead Rd, Cleveland Heights, OH 44118 at $120,000 as Section 8.
Trueyard · analyze_property
Section 8: +$153 a month cash flow on a $1,704 voucher rent, Verified from the CMHA schedule.
How it works
From an address to four answers you can check
1Step 1 of 4
Your inputs
An address and a price. Add rent, ARV, comps or loan terms when you have them; each stays marked as yours.
2Step 2 of 4
Public data
Voucher payment standards and utility allowances, area rent and tax rate, the flood zone, and this week's mortgage rate.
3Step 3 of 4
Four strategies
The home is worked out four ways on the same assumptions, so the comparison is like for like.
4Step 4 of 4
Sources and confidence
Every number shows Verified or Estimated, its source link, its effective date and where it came from.
Trust
Every number says where it sits
The public records behind every number
Named as sources, never as endorsements.
Housing authorities
Payment standards and utility allowances, from each authority's own schedule. The Verified figures.
HUD
Fair Market Rents and Small Area FMRs, for an Estimated voucher rent where a schedule is not captured yet.
Census ACS
Median rent by bedrooms and the property tax rate for the ZIP, from the 5-year survey.
Census Geocoder
The address matched to its ZIP, census tract and map point.
FEMA NFHL
The flood zone and map panel at that point, from the National Flood Hazard Layer.
FRED
The weekly 30-year fixed mortgage rate, Freddie Mac's survey (MORTGAGE30US).
Four tiers, shown on every figure
- Yours
- A number you entered, such as the price or your rehab budget.
- Area
- A Census statistic for the ZIP, not this exact home.
- Modeled
- A stated default or a figure computed from the others.
- Verified
- Read from a housing authority's published record.
What we do not do
No listings. We do not list or sell homes; you bring the address and price.
No automated valuation. We do not guess what a home is worth.
No promises. No returns, tenants or voucher approvals are promised. Confirm with the housing authority before buying.
For agents and developers
Ask from your assistant, or call it from code
Trueyard is a remote MCP server. Add it once, sign in, and ask in plain English. Every tool is also a REST endpoint; API keys come with the Pro and Team plans.
Analyze 2128 Hampstead Rd, Cleveland Heights, OH 44118 at $120,000 as a rental and as Section 8.
Pricing
Start on Free or a 14-day Pro trial
New accounts get 14 days of Pro with no card, then Free until you choose a plan. Prices are in U.S. dollars per month.
Free
$0 a month
10 analyses a month
Estimated figures
Investor
$29 a month
300 analyses a month
Verified figures
Pro
$79 a month
2,000 analyses a month
Verified figures
Team
$199 a month
10,000 analyses a month
Verified figures
Questions
Before you start
Is the example home for sale?
The address is real: a HUD-owned home from HUD's public list. The prices, after-repair value and rehab budget are example inputs, not a listing, an offer or a sale.
Do you estimate what a home is worth?
No. There is no automated valuation. You bring the price, and for a flip the after-repair value or the comps behind it. We work out what follows from those numbers.
What does Verified mean?
The figure was read from a housing authority's own published payment standard or utility allowance schedule, and it links to that document with its effective date. Everything else is Estimated, with its method named.
Will a voucher holder rent my property?
Nobody can promise that. The housing authority inspects the home, checks the rent against similar units, and the tenant chooses. Confirm with the authority before buying.
Which assistants work with it?
Claude, ChatGPT, Gemini, Muse and code editors such as Claude Code, VS Code and Cursor connect over MCP. Other agents and your own scripts use the REST API with an API key.
What does it cost?
New accounts get 14 days of Pro with no card, then Free until you choose a plan. Paid plans start at $29 a month.
Run the numbers on the next home you look at.
An address and a price is enough to start.