Frequently Asked Questions

Novarif is a portfolio analysis platform for people who own rental property. You enter what you own, and Novarif models the major decisions a rental owner faces, then shows what each one does to your whole portfolio and your long-term goals. It presents results and analysis. It does not tell you what to buy, sell, or invest in.

A rental calculator looks at one property at a time. A spreadsheet works until it does not, because taxes change, a property gets refinanced, a value goes stale, and slowly the numbers stop telling the truth.

Novarif looks at every property together, helps keep the portfolio picture current, and models what a decision on one property does to the entire portfolio.

It answers the bigger question a calculator cannot: what does this move do to everything I own?

No. Novarif does not do bookkeeping, track expenses, or manage tenants. Those tools record what already happened.

Novarif is a decision tool. It models what happens next, so you can compare holding, selling, refinancing, or buying before you act. Many owners use an accounting tool for their books and Novarif for their decisions.

Yes. Sell versus hold is one of the core decisions Novarif models. It compares keeping a property against selling it and using the equity elsewhere, and it shows the after-tax result of both, including depreciation recapture and capital gains, which are the costs most owners forget when they only look at the sale price.

The point is to make the comparison honest, not to tell you what to do.

Yes. Novarif models the full buy, rehab, rent, refinance cycle, along with a straight cash-out refinance at the new value. You enter the purchase price, rehab budget, expected rent, and after-repair value, and Novarif shows what the refinance would return and whether it covers what you put in.

When a cash-out cannot fund the plan, Novarif shows the exact shortfall instead of pretending the deal works. After-repair value is the assumption that makes or breaks a BRRRR, so it stays an input you control rather than a number the platform guesses for you.

Yes. Novarif models both paths and shows the after-tax difference. A taxable sale carries capital gains and depreciation recapture, which are the costs most owners leave out when they look only at the sale price. A 1031 exchange defers certain taxes and keeps more capital working, but the rules and deadlines are strict, and a deferral is not the same as avoiding tax.

Novarif shows what each path does to your portfolio. It does not tell you which one to take. A 1031 depends on your specific situation, so plan one with a qualified intermediary and your CPA.

The NovarifIQ score is a single 0 to 100 read on the overall quality of your rental portfolio. It looks at the things that help show how healthy and resilient a portfolio is, like how well your properties cover their debt, how much leverage you carry, and the returns your equity is producing. As you model a decision, the score updates so you can see whether a move appears to strengthen the portfolio or weaken it.

Think of it like a credit score for your rentals. It gives you one clear read on where you stand, and it points to what is helping or holding the portfolio back, without you having to track every metric yourself. It is a way to compare decisions consistently. It is not a prediction, and it is not investment advice.

Novarif stress tests at both the property level and the portfolio level. You can apply pressure to the things that actually move the numbers: rent falling, vacancy rising, operating costs climbing, property values dropping, and interest rates moving. Then it shows what happens to income, debt coverage, equity, and whether you are still on pace for your goals.

The point is not to predict a downturn. It is to see how much room you have before the portfolio stops working, while there is still time to do something about it.

Yes. Novarif can compare short-term rental use against long-term rental use using your own nightly rate, occupancy, and cost inputs, so you can see which one is expected to produce more for a given property. You can model a property either way.

Novarif is built for the individual investor who owns rental property and manages the decisions themselves, from a few rentals up to a larger personal portfolio. It is also useful for the CPAs and financial advisors who work with those owners.

It is not built for institutions with enterprise software budgets, and it is not a single-property calculator.

No. Novarif is built to do the analysis for you. You enter what you own, and the platform handles the formulas, tax effects, and projections.

Smart Insights explains the results in plain language so you can see what a decision means without being an analyst. The goal is to give a regular owner the kind of portfolio view that funds and family offices take for granted.

No. You can start with the basics and get a useful picture right away, then add detail as you go. The more you enter, the more precise the analysis becomes, but you do not need everything on day one to see where your portfolio stands.

Novarif is built for individual rental owners with a few properties up to a larger personal portfolio. Whether you own three or a hundred, the platform analyzes them together as one portfolio, which is the whole point.

Novarif will offer more than one plan when it launches. Pricing will be announced at launch, and people on the early-access list will hear first. Joining early access costs nothing and creates no obligation.

Your information is handled under our Privacy Policy. We use trusted providers to run the platform, and we do not sell your personal information.

We take reasonable steps to protect what we collect, and we tell you what we collect and why.

Novarif is in a pre-launch, early-access period now. Join the early-access list and we will let you know when the platform is ready.

There is no account, subscription, or payment offered yet, and joining creates no obligation of any kind.

Every modeled number traces to a formula. Novarif’s engine methodology has been independently analyzed by an outside CPA firm, and the engine runs more than 200 internal automated validation checks.

When Novarif fills in an estimate, such as a temporary insurance assumption before you enter your actual premium, it labels that as an assumption so you always know what is measured and what is estimated.