About Parclio
Built by a multifamily lending professional who has lived the tax-line problem in real credit and sizing workflows.
Why Parclio exists
Parclio is built by Matt Altebrando, with a background in multifamily and HUD/Agency lending. The tax reset problem — underwriting off a seller's protected tax bill instead of the number a buyer will actually pay after closing — is one every lender, sponsor, and broker in this asset class runs into, usually the hard way, in the middle of sizing a deal or defending a memo.
Parclio was built to answer that question the way it comes up in real underwriting: fast, sourced, and defensible enough to put directly in front of credit committee — not a generic calculator, and not a black-box AI guess.
What we're focused on
The post-closing number, not the seller's protected bill.
How the reset actually moves the metrics that size the loan.
What the tax line change means for leverage and proceeds sizing.
Source-backed language you can put in the credit file as-is.
How we work
Every county rule in Parclio is sourced from official statute, assessor guidance, or published rate data — never invented or crowdsourced. AI is used to help read uploaded documents and explain results in plain language; it never generates or overrides a tax, NOI, DSCR, or debt yield number. See the Methodology page for the full breakdown, and Security & Trust for how deal data is handled.