Christian OsgoodCEO, Multifamily Strategy · CEO at Multifamily Strategy

Can You Just use a Listing for Underwriting?

28 Aug 2026 · 1 min

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0:31

Christian Osgood explains that underwriting doesn't require an Offering Memorandum. A detailed property listing can work if it has the income and expense data you need. The document type matters less than having the actual numbers.

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Can you use a listing, just a listing to underwrite with, or do you have to have an OM to do that?
Oh, you can underwrite with the pieces that you have. You rarely have the entire picture. You have as much as you have when you start. I would like to see an OM. If they don't have that, the listing probably doesn't have enough info to fill out all of the income and expenses. But if it's a really robust listing, then you might have it. So it's really just the important thing is not the exact document it's on. The important thing is, do I have the inputs I need to underwrite the deal initially?

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