Buyer Affordability Tools

Buying a home isn’t just “Can I qualify?”—it’s what payment makes sense, what price range matches that, and what changes if rates, taxes, or down payment move. AgentListIQ’s Buyer Affordability tools turn that uncertainty into clear, scenario-based answers—built directly into the same property workflow as your CMA and presentation.

What tools are included

• Scenario-Based Payment Modeling
  Run quick “what-if” scenarios using configurable assumptions (down payment, interest rate, term, taxes, insurance, HOA). Results are designed to be clear and client-readable, not spreadsheet chaos.
• Affordability Range by Monthly Payment
  Start with a target monthly budget and estimate a home price range that fits—then show how that range changes with different down payments or rates.
• Down Payment & Cash-to-Close Clarity
  Compare multiple down-payment options side-by-side and explain the tradeoff between payment and cash required (useful for “I can do 3%… or 10%… what’s smarter?” conversations).
• Rate Sensitivity (“If rates move, what happens?”)
  Quickly illustrate how the estimated payment shifts across rate scenarios—helpful for buyers deciding whether to lock, wait, or adjust price targets.
• HOA / Taxes / Insurance Impact Breakdown
  Separate the “principal & interest” part of a payment from the “real world costs” (taxes, insurance, HOA) so buyers understand what they’re actually signing up for.
• Buyer-Friendly Summary Output for Presentations
  Generates an easy summary you can drop into a client packet so affordability isn’t a verbal guess—it’s a documented scenario set that aligns with the property narrative.

How it’s positioned (important for compliance + trust)

AgentListIQ frames these outputs as informational affordability estimates, not loan approvals, so agents can help buyers plan responsibly while keeping the lines clear between real estate guidance and lending decisions.

Why it matters

When affordability is integrated into the same platform as pricing and presentation, you reduce the classic deal-killers: payment shock, mismatched expectations, and last-minute “we didn’t realize HOA/taxes would do that” moments.