It uses computer algorithms to determine the value based on recently sold property but it's strictly a numbers game.

Person 2 would have about a 725, person 1 would have about a 680 (assuming everything else is identical on their two credit reports).If person 3 had 5 credit cards, each 2+ years old, and had that $5k spread across them with 5 credit cards each individually at 20% of their limits, they would have a better FICO score than persons 2 or 1. 800+ range.FICO score treats their algorithms as a trade secret that I'm not privy to, the above is just based on me looking at a LOT of credit reports...

Enjoy - Olihttp://fortune.com/longform/single-family-home-ai-algorithms/?

Green = A, Light Green =B, Yellow = C, Orange = D, Red = FThe grade is a composite of nine key performance indicators for each area.It's calculated using an algorithm that I developed. 

I've since spent real time building a network and learning the Gatlinburg/ Pigeon Forge/ Sevierville market.I have a slightly different take than most on cabin management, meaning I spend a lot of time playing with pricing and minimum nights (the software pricing algorithms have not been accurate in my experience). 

Go ahead and have your agent do it.Obviously it's not going to be accepted by the bank's computer algorithm, but, hey, go get it out of your system. 

Thank you @Frank Jiang I am trying to do the numbers as "worst case scenario" I think this calculator is like you said there must be some algorithm  that's not calculating right, because even if i took off the "property tax" completely, the CoC comes out to be only 1.1% which is completely jacked.

Your mileage may vary, just make sure you know what it *should* be before you trust an algorithm to make those choices for you.

We eventually wrote an algorithm that looks at the entire MF market and gives us an indication of what deals might be viable...there is a lot to understanding how to evaluate properties and their performance...but most comes from experience...education.

Is that just because the way the algorithm is designed?