Add each tenant unit. Minimum of two tenants required for an aggregate read. First Name, Last Name, DOB, and Email are required per tenant.
| # | Unit | First Name * | Last Name * | DOB * | Email * |
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The portfolio behavioral read shows a rising income-durability trajectory across 11 of 12 units. One watch cluster — Unit 4B — shows behavioral drift consistent with early-stage payment-stress signs: grievance accumulation is rising, social anchor has weakened. DSCR holds at 1.42 with the watch cluster factored in. No contagion pattern is detected. The lender prices and decides.
A contagion spread from Unit 4B to adjacent units, a portfolio DSCR decline below 1.20, or a sustained weakening of anchor scores across more than three units would shift this read to a watch determination. Re-evaluation in 45 days is recommended given the active watch cluster.