homes.plus — Investor Overlay

Cap rate, cash-on-cash, demand signals, and a deal score on every Zillow listing.

Homes Plus overlays the numbers investors actually need onto every Zillow listing, without ever leaving the page. Open any property at zillow.com/homedetails/... and a clean side panel appears with: • Estimated monthly rent, with a strategy switcher for long-term, short-term (Airbnb), or mid-term (30+ day) rental • Cap rate using actual property tax and itemized expenses (insurance, maintenance, vacancy, HOA) • Cash-on-cash return (25% down, 7.2%, 30-year, customizable in settings) • 0-100 deal score combining the underwriting math with live demand signals • "Why this score" breakdown that itemizes every factor moving the score up or down • Red, yellow, and green flag detection: negative cash flow, carrying costs above 30% of rent, high property tax, thin rent-to-price, priced above Zestimate, motivated-seller signals • STR-regulation badge per city when you're in short-term-rental mode (allowed, restricted, banned) with a link to the official ordinance • Days on market and saves, with a 7-tier demand pill (insane to dead) • Zillow's own "sells faster than X%" hot-home indicator when present • Annual property tax, HOA, Zestimate delta from list price, recent price cuts • One-click save to a sortable, filterable list with CSV export • Side-by-side comparison of any 2 to 4 saved properties, with the winner highlighted on every metric • Save-as-PDF one-page investor report you can file, print, or share with partners No copy-paste, no spreadsheet, no five tabs open at once. Underwrite a property in the time it takes to scroll past the photos. WHY THIS EXISTS Real estate investors evaluate dozens of listings per week. The data is on Zillow; the math is not. Most analysts solve this by exporting addresses to Excel, pulling Rentometer values, and computing metrics by hand. homes.plus does it inline on every listing page, with no workflow change. THE RENT MODEL Rent estimates come from a model trained on tens of thousands of public rental listings across the United States. When Zillow shows its own Rent Zestimate on the page, we display it inline alongside ours and cap our prediction tightly against it, so a model overshoot never quietly inflates the deal score on properties Zillow has solid comp data for. Markets where our training data is thin are flagged so you know when to double-check the number. THE CAP RATE Cap rate is annual net operating income divided by purchase price. Most extensions use the "50% rule" shortcut (operating expenses about 50% of rent), which over-estimates expenses in low-tax states and under-estimates them in high-tax states. We pull the actual property tax from Zillow's public tax history when available and add typical insurance (0.4% of price), maintenance (1%), vacancy (6% of rent), and HOA. A more honest first-pass screen than the 50% rule. THE DEAL SCORE A 0-100 composite combining cap rate, cash-on-cash, days on market, save count, Zillow's hot-home percentile, recent price reductions, and Zestimate delta from list. 70 and above is strong; 50 to 70 is decent; under 50 is weak. Sortable across your saved list. Use it as a first-pass filter, not a substitute for due diligence. Click "why" inside the deal score to see every factor that moved it. STRATEGY SWITCHER (LTR, STR, MTR) Toggle between long-term rental, short-term rental (Airbnb), and mid-term rental (30+ day) in the overlay. Cap rate, cash flow, and the deal score recompute against per-strategy multipliers and expense ratios you can configure in settings. When you switch to short-term, homes.plus also surfaces a regulation badge for the city. A curated database of major US markets with status (allowed, restricted, banned) and a direct link to the official municipal ordinance, so you do not underwrite STR cash flow in a city that does not permit it. RED AND GREEN FLAGS Right under the metrics, the overlay surfaces severity-coded callouts: negative cash flow, carrying costs above 30% of rent, high property tax, thin rent-to-price, priced above Zestimate, stale listing, insurance-risk state, and on the positive side, strong cash-flow yield, motivated-seller price cuts, and listings priced well below Zestimate. Each flag explains itself on hover. CUSTOMIZE THE ASSUMPTIONS The toolbar popup includes a settings page where you can override the financing defaults: down payment, interest rate, insurance, maintenance, vacancy, management ratio, plus the STR and MTR rent multipliers and expense ratios. The overlay re-renders with your numbers. Useful if you finance differently, target a different rehab buffer, or want to stress-test a deal at higher rates. SAVE, COMPARE, EXPORT One-click save on any listing. The saved page shows your full pipeline as a sortable table with color-coded deal scores, filters by state, ZIP, or score range, and a CSV export for spreadsheet work or sharing with partners. Pick any 2 to 4 of your saved deals and open the side-by-side comparison view, which highlights the winner per metric across price, returns, costs, and listing signals. Generate a one-page PDF investor report on any analyzed listing for filing, printing, or sharing with a partner. Metrics are snapshotted at save time so your list doesn't silently re-rate as prices change. PRIVACY The extension only runs on Zillow listing pages. It reads the publicly displayed price, beds, baths, sqft, address, and additional listing facts from the page, and sends them to api.homes.plus to compute the metrics. Optional Google sign-in lets you claim weekly bonus credits. No account is required for the free tier. We log coarse, anonymous usage events (for example, "an analyze happened in zip 07036, cap rate bucket 5 to 7%") so we can fix bugs and improve the rent model. Never raw listing data or anything that identifies a user. Full policy: https://homes.plus/privacy.html ROADMAP v0 ships on Zillow only. Redfin and Realtor.com support, server-synced saved properties across devices, and Google Sheets export are on the roadmap. Feature requests welcome at hello@homes.plus. Made by eCuras LLC. Questions? hello@homes.plus