Firstrust Bank vs PenciledOut

Firstrust Mobile Banking: Simple, Secure, and Smart Bank anytime, anywhere with the Firstrust mobile banking app. Whether you're managing business or personal finances, enjoy fast, secure access to everything you need—all in one place. Key Features: • View balances, transactions, and online activity • Move money easily between accounts • Deposit checks with just a tap • Pay bills and make loan payments • Get real-time alerts and credit score updates • Track business transactions and send invoices • Manage cards and set security controls • Access easy to use budgeting and spending tools Your money, your way—download today. Subject to additional terms. Minimum device system requirements must be met to access mobile banking. Digital features and money movement options may differ for every customer based on their account type, agreements executed, and other factors. For more information visit firstrust.com/mobile/app. iPhone, iPad, Touch ID and Face ID are registered trademarks of Apple®, Inc Firstrust Bank Member FDIC. Equal Housing Lender.

PenciledOut is the underwriting tool built for real estate developers and operators. Run full proformas, screen offering memorandums, and analyze zoning codes, all from your phone. Five proforma templates cover every deal type: value-add multifamily, ground-up development, commercial acquisition, refinance, and residential condo outsell. Each proforma calculates cash-on-cash returns, IRR, equity multiples, debt service coverage, and waterfall splits with GP/LP structures. Key features: - Full proformas with real-time financial modeling - OM Screener: upload an offering memorandum PDF and get an instant pencils/doesn't-pencil verdict with extracted inputs pre-loaded into the matching proforma - Zoning Analyzer: paste a municipal code URL or upload a PDF to get structured zoning analysis with computed max units, FAR, parking, setbacks, and overlay impacts - District Detect: look up your property's zoning district by address - Investment memo PDF export - Excel export for all proformas - Share deals via link - Saved deal dashboard Built for operators who need to move fast on deals. No spreadsheet templates. No desktop required. SUBSCRIPTION DETAILS PenciledOut Pro ($49.99 per month) and Pro Unlimited ($99.99 per month) are auto-renewable subscriptions, each starting with a 7-day free trial. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://penciledout.com/privacy