Clear Capital is a national real estate analytics, data solutions and valuation technology company addressing one of the fastest-growing challenges in mortgage lending: accurate rental income estimation for debt service coverage ratio (DSCR) and investor loans. Its national-coverage Rental AVM delivers instant, data-backed monthly rent estimates that provide lenders with a reliable input for underwriting, pricing and collateral risk management.
Built on the same modeling foundation as ClearAVM™, Rental AVM delivers results in fractions of a second with a median absolute percentage error of approximately 3% and coverage across roughly 85 million properties. In November 2025, Angel Oak Mortgage Solutions leveraged Rental AVM to launch the industry’s first DSCR rental AVM, allowing rental income to be estimated at prequalification and held through closing — eliminating late-stage underwriting volatility.
Rental AVM replaces borrower-stated rents, outdated rent rolls and manual market lookups with a standardized, automated data asset that improves consistency across DSCR workflows. Delivered via Clear Capital’s Property Analytics API, the solution can be embedded throughout the loan lifecycle to validate rent assumptions early and reduce friction downstream. Lenders report faster underwriting, higher conversion rates and more stable loan terms, reinforcing Rental AVM’s role as a critical modernization tool as investor lending continues to scale.
Company Website:
Markets Served:
Loan Origination, Appraisal / Valuation
Company HQ:
Reno, NV
