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Phoenix, AZ Hard Reject Underwriting Tape (85032)

FlipScout underwriting tape for Phoenix, AZ (85032) — 261 actives, 5 Verified / 31 Modeled. Absorption: Elevated supply / slow absorption; sold_6m=179 (FlipScout DB coverage, not full MLS). Hard Reject rate 100.0% on Verified w/ ARV (QDA defaults — Hard Reject ≈ WALK-heavy on Bid Tape; Bid $ free).

Signal Narrative

Phoenix, AZ (85032) is a FlipScout Goldmine underwriting terminal. Primary signal is sold liquidity: sold_6m=179 (FlipScout DB closings in 6 months — not full MLS), 261 actives on tape. Trusted months of supply = 8.7 mo (Elevated supply / slow absorption; velocity ≈ 29.8 closings/mo). Honesty mix: 5 Verified / 31 Modeled / 225 Unscored. Hard Reject at ask 100.0% on Verified-with-ARV (QDA defaults — rates only on free hubs). Same QDA stack as this Hard Reject rate — stress-test asks on the published QDA stack, or read the fix and flip underwriting method.

Underwriting terminal

Neighborhood tape

As of 2026-07-29T06:16:37Z · Daily snapshot · FlipScout DB · MAO solver Pro

Quant Art

Neighborhood math

Backed by FlipScout solds + Verified ask tape · 2026-07-29T06:16:37Z · daily snapshot

Absorption dial
8.7 MOS mo

MOS = actives ÷ (sold_6m ÷ 6) = 261 ÷ (179 ÷ 6) = 261 ÷ 29.8

Sold window 6 mo · FlipScout DB coverage, not full MLS · zones 4 / 6 / 12

Sold liquidity stripe
sold_6m 179 actives 261

monthly_velocity = sold_6m / 6 = 179 / 6 = 29.8 closings/mo

Real FlipScout DB solds · refreshed with nightly goldmine tape

Margin quantile ladder
0% p25 -49.4%med -37.4%p75 -27.9%

gross_margin% = (ARV − list − rehab) / list · Verified actives @ ask

Universe: Verified ask tape · n=5 · not sold-comp ROI

Hard Reject ring
100% at ask

HardReject% = list_above_mao / Verified_w_ARV = 5 / 5

QDA defaults: 12% required net · 4-mo carry · 2% slip · Bid $ free on tape

Absorption / MOS

Elevated supply / slow absorption

MOS 8.7 mo

sold_6m 179 · actives 261 · High confidence

179 sold in 6 months — solid zip absorption sample.

Total Listings

261

Verified 5 · Modeled 31 · Unscored 225

Median Verified margin

-37.43%

p25 -49.37% · p75 -27.95% · n=5

Hard Reject at ask

100.0%

Strong 0.0% · Pass 0.0%

Share where list exceeds FlipScout MAO at QDA defaults (12% required net / 4-mo carry / 2% slip). Hard Reject ≈ WALK-heavy at ask on Bid Tape; Bid $ free on sheets.

Rehab bands

T2$97.92/sqft · n=5

Verified · condition tier $/sqft

Median Apex

56.1

Hot 0.0% · n=5

Trajectory

Stable

Neighborhood enrichment signal

Honesty mix

1.9% Verified

Modeled 11.9% · Unscored 86.2%

List → ARV discount

-4.66%

Deep share 0.0% · n=5

Hold bleed pressure

$50–$100/day

Banded aggregate · Peak Cash UI Pro

Condo/SFR split withheld — need ≥8 Verified per class.

Same QDA stack as this Hard Reject rate · Fix & flip underwriting · Deal finder · Absorption regimes

Active inventory

40 shown of 261 actives · streets locked · price / margin / Apex live · median list $457,500 · mix V5/M35/U0

Each row is an underwriting brief at /property/{id} in ZIP 85032. Margins labeled Modeled are directional — not Verified comps.

Browse all in Houses →
PriceMarginApexHonestyListing
$140,00024.7% V65VerifiedHigh margin

Phoenix, AZ · Verified listing

Open brief
$150,00022.7% V63VerifiedHigh margin

Phoenix, AZ · Verified listing

Open brief
$239,90012.3% V56Verified

Phoenix, AZ · Verified listing

Open brief
$499,9004.2% V50Verified

Phoenix, AZ · Verified listing

Open brief
$547,9883.1% V50Verified

Phoenix, AZ · Verified listing

Open brief
$745,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$699,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$539,9007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$515,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$495,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$509,9007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$489,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$489,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$489,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$479,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$469,9007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$459,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$425,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$404,9997.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$399,9007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$355,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$339,9997.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$240,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$225,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$230,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$213,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$178,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$95,0007.5% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$784,9507.3% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$699,0007.3% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$799,9997.3% M53Modeled

Phoenix, AZ · Modeled listing

Open brief
$456,0006.5% M52Modeled

Phoenix, AZ · Modeled listing

Open brief
$274,9006.5% M52Modeled

Phoenix, AZ · Modeled listing

Open brief
$637,0002.2% M49Modeled

Phoenix, AZ · Modeled listing

Open brief
$769,0001.5% M48Modeled

Phoenix, AZ · Modeled listing

Open brief
$800,0000.7% M48Modeled

Phoenix, AZ · Modeled listing

Open brief
$210,000Modeled

Phoenix, AZ · Modeled listing

Open brief
$180,000Modeled

Phoenix, AZ · Modeled listing

Open brief
$162,900Modeled

Phoenix, AZ · Modeled listing

Open brief
$182,000Modeled

Phoenix, AZ · Modeled listing

Open brief

Verified Invest Deals

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PriceMarginApexAddress
No Verified Invest deals yet0 Verified Invest Deals Currently Available — 100% of Verified actives with ARV screen Hard Reject at ask under FlipScout QDA defaults.

US Goldmine Atlas

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