PropertIQ — MLS Intelligence Platform

💰 Loan Scenario Settings

Configure buyer qualification parameters — both FHA and Conventional calculated automatically

⚙️ Program Defaults

Fallback values used when no client is selected. Client profiles override these. Hazard insurance is calculated automatically by the Florida Hazard Framework — set flood zone fallbacks below.

Walls-In (HO6) ($/yr — Condos only)

🌊 Flood Insurance Defaults by Zone (SFR/Townhouse only — Condos always $0)

Zone X / Unknown ($/yr)

Zone AH ($/yr)

Zone AE ($/yr)

Zone A / AO ($/yr)

Zone VE / V ($/yr)

FHA Loan

3.5% min down

Interest Rate

Down Payment

Upfront MIP (% of base loan)

UFMIP Payment Method

UFMIP added to loan amount — increases P&I slightly

Annual MIP (% of loan/yr — leave blank to auto-calculate)

Auto: based on loan amount & LTV (HUD 2026)

Max HER (Housing Expense Ratio)

Max TOR (Total Obligation Ratio)

Max PITIA (FHA)

—

Conventional Loan

PMI if LTV > 80%

Interest Rate

Down Payment

PMI Rate (% of loan/yr, if LTV > 80%)

Max TOR (Total Obligation Ratio)

Max PITIA (Conventional)

—

🏦 Loan Limits by County

Loan limits are automatically applied based on property zip code. Use the county lookup below to manually override the limits if needed. Defaults to Miami-Dade when no property is loaded.

Load limits by county (optional override)

FHA Loan Limit

Conforming Loan Limit

Limits effective January 1, 2025 — FHA (Mortgagee Letter 2024-21) · FHFA (2025 conforming limits)

🪪 MLO Profile & Compliance Disclosure

Required for Regulation Z payment disclosures displayed to clients and guests. Appears in payment calculator disclaimers.

MLO Full Name

Individual NMLS #

Company / Brokerage Name

Company NMLS #

State License #

Licensed State

This information is displayed in payment calculator disclaimers as required by Regulation Z / TILA. Not stored on any server — saved locally.

👥 Client Management

Borrower profiles — rates and financials per client

Client	Contact	Program	Income / Debts	Status	Actions

♥ Saved Properties

No saved properties

📋 Fees Worksheet

Pre-Application Estimate · Not a Loan Estimate or Closing Disclosure

Borrower

Property Address

Est. Closing Date

Transaction Type

Property Type

Borrower(s)

—

Property

—

Date Issued

—

Loan Originator

Sales Price

Down Payment %

Base Loan

Interest Rate %

Term

Loan Program

Est. Monthly Payment

—

Projected Monthly Payment

Principal & Interest

—

MIP / PMI

% / $ —

Estimated Reserves

Property Taxes

Annual $ —

Homeowner's Insurance

Annual $ —

Flood Insurance

HOA Dues

TOTAL MONTHLY PAYMENT

—

Payment w/o Escrows (P&I + MIP/PMI + HOA)

—

Closing Cost Summary

A. Origination Charges

—

B. Services (Lender Required) excl. POC

—

C. Title Charges

—

D. Government Recording & Taxes

—

E. Prepaids

—

F. Initial Escrow at Closing

—

G. Other Charges

—

Total Closing Costs

—

Total Prepaids & Reserves

—

Total Estimated Costs

—

Cash to Close

Down Payment

—

Closing Costs

—

Prepaids & Reserves

—

Interested Party Contributions

—

Total POC Items (paid outside closing)

—

Total Due at Closing

—

ESTIMATED CASH TO CLOSE

—

A. Origination Charges

Origination Fee % —

Discount Points % —

B. Services (Lender Required)

Appraisal Fee POC $

Credit Report POC $

UFMIP Financed —

Processing Fee $

Underwriting Fee $

Flood Certification $

Tax Service Fee $

MERS Registration $

E. Prepaids

Prepaid Interest days —

Hazard Insurance (1 yr) $

Flood Insurance (1 yr) $

G. Other Charges

Survey $

Property Inspection POC $

Real Estate Processing Fee $

Condo Questionnaire POC $

WVOE POC (if applicable) $

Interested Party Contributions

Interested Party Contributions % · $

C. Title Charges

Settlement / Closing Fee $

Courier Fees $

Archive Fee $

Wire Fee $

Title Insurance — Lender's Policy (auto-calc) $

Title Insurance — Owner's Policy (auto-calc) $

Endorsements

FL Form 9 $

ALTA 4.1 (Condo) $

ALTA 5.1 (PUD) $

ALTA 8.1 (Environmental) $

Navigational Servitude ⚠ underwriter approval required $

D. Government Recording & Transfer Taxes

Recording — Mortgage $

Mortgage Doc Stamps ($0.35/$100) —

Intangible Tax ($2/$1,000) —

F. Initial Escrow at Closing Waive Escrows

Tax Reserves mo $0

Hazard Reserves mo $0

Flood Reserves mo $0

This "Fees Worksheet" is provided for informational purposes ONLY, to assist in determining an estimate of cash that may be required to close and an estimate of your proposed monthly mortgage payment. Actual charges may be more or less, and your transaction may not involve a fee for every item listed. This worksheet is not a Loan Estimate or a Closing Disclosure.

Comparable Sales Analysis CMA

Find sold comparables and generate a buyer offer estimate

📊

No analysis yet

Open a property and click "Run CMA" — or enter an address above and click Find Comps

AI Assistant

Ask questions about your MLS data, comps, valuations, and market trends

📋 Data Context

Select data from your searches and comps to include as context for the AI. Or ask general real estate questions.

Claude AI — Real Estate Expert

AI Assistant

Hello! I'm your AI real estate assistant. I can help you analyze comparable sales, interpret market trends, draft seller reports, estimate values, and answer any questions about your MLS data.

Run a search or comp analysis first, then ask me to work with it — or just ask me anything directly.

🏘️ South Florida Communities

Explore neighborhoods across Miami-Dade, Broward & Palm Beach — with live market data

API Debugger DEV TOOL

Inspect raw Bridge Interactive responses, explore field names, and diagnose connection issues

Raw JSON Response

Response will appear here...

Field Map

All fields returned by your MLS + their values from first record

🗺️

Fire a request to see field map

Quick Diagnostic Requests