Where do the listings come from?

Listings come from licensed feeds (RentCast) enriched with the original listing copy via Realtor data. You can also add your own addresses or off-market properties.

How does Kavvl know creative financing is possible?

The listing text is parsed for signals such as owner or seller financing, subject-to, assumable mortgage and lease option. Only properties where this is verifiable show up; the rest stays hidden until proven otherwise.

How is the deal score built?

The 0-100 score combines cashflow, cash-on-cash, all-in percentage of ARV, creative finance signals, neighbourhood data from the US Census ACS and property condition.

How does Kavvl run the BRRRR numbers?

All-in equals purchase plus rehab plus closing plus holding costs including interest. Refinance is LTV times ARV, capped by a 1.20 DSCR requirement, minus refinance closing costs. With creative financing a down payment plus seller note is modelled instead of an all-cash purchase.

What does Kavvl cost?

Start free with 5 AI analyses per month. Pro includes a 7-day free trial and is then EUR 79 per month (USD 89 for US billing) with 10,000 analyses, alerts, letters of intent and the call list. Enterprise is EUR 299 per month (USD 329).

Can I send letters of intent?

Yes. Kavvl generates a letter of intent with your terms (down payment, rate, balloon, refinance option), emails it to the agent and tracks whether it was opened and answered.

Is this investment advice?

No. All figures are estimates based on models and public data. Always do your own research and consult a professional.

Kavvl

Assumable mortgage: taking over a loan officially

The difference between an assumable mortgage and subject-to, and when FHA and VA loans are worth chasing.

All articles 3 min read · Updated 2026-06

An assumable mortgage is taken over with the lender's approval. You become the borrower, keeping the same rate and remaining term.

Which loans are assumable?

In the US mainly FHA, VA and USDA loans. Conventional loans rarely are. You go through a shortened approval with the existing lender.

The math advantage

You inherit the old rate, but you must fund the gap between the sale price and the remaining balance yourself, with cash, a seller note or a second loan.

Difference with subject-to

In an assumption the lender knows and you are legally the borrower; in subject-to they do not. Assumptions take longer but carry far less risk.

What to check

Ask for the exact balance, rate, remaining term and any arrears, then underwrite your cashflow on those numbers instead of today's market rate.

In short

An assumable loan gives you the old rate without due-on-sale risk, in exchange for a longer approval and a larger cash gap.

Underwrite your own deal in Kavvl

Start free with 5 AI analyses per month.

Create a free account

Sign in Knowledge base FAQ Contact Disclaimer Privacy policy Terms of service Right of withdrawal Refund policy Data processing agreement SLA

Data from public sources and licensed feeds. Not investment advice.