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TROV Blueprint is built on a rigorously developed Excel underwriting workbook refined over months of real deal analysis. Every calculation in the web application is a direct implementation of that workbook logic, verified through an automated test suite of 589 tests across 18 test files. The table below reflects where things stand today — every module listed has cleared a first round audit against workbook ground truth and HUD 4000.1 where applicable. We surface this transparently because accuracy is the product. If you find a discrepancy, we want to know.
| Module | Status | Notes |
|---|---|---|
| Stage 1 Screener — Conventional | Verified — Round 1 | 78 tests passing against workbook ground truth. |
| Stage 1 Screener — DSCR | Verified — Round 1 | 94 tests passing against workbook ground truth. |
| Stage 1 Screener — FHA | Verified — Round 1 | 34 tests passing, verified against HUD 4000.1 November 2025. |
| Stage 2 Underwriting — Conventional | Verified — Round 1 | 219 tests passing across amortization, proforma, equity flow, capital recovery, exit, and returns. |
| Stage 2 Underwriting — Conventional Worst Scenario | Verified — Round 1 | 19 tests passing against workbook Worst scenario ground truth. |
| Stage 2 Underwriting — Conventional Appreciation Method | Verified — Round 1 | 17 tests passing against workbook Appreciation method ground truth. |
| Stage 2 Underwriting — Conventional Refi | Verified — Round 1 | 21 tests passing against workbook Refi Enabled ground truth. |
| Stage 2 Underwriting — DSCR | Verified — Round 1 | 24 tests passing against workbook DSCR Base ground truth. |
| Stage 2 Underwriting — DSCR Worst Scenario | Verified — Round 1 | 31 tests passing against workbook DSCR Worst ground truth. |
| Stage 2 Underwriting — DSCR Refi | Verified — Round 1 | 33 tests passing against workbook DSCR Refi Enabled ground truth. |
| FHA Refi Engine | Verified — Round 1 | LTV-only sizing and financed UFMIP verified per HUD 4000.1. |
| Input Validation — All Loan Types | Verified — Round 1 | FHA 3.5% minimum, DSCR down payment auto-calculated, conventional warnings, FHA refi LTV and seasoning locked per HUD 4000.1. |