Your Buyer Investment Profile is the pair of numbers Padzilly uses to decide which homes to show you. Setting it up takes a minute, and nothing else on the platform works properly until it exists.
Creating a Padzilly account walks you through a few steps, and one of them asks for your investment profile. You enter two things:
Your maximum monthly payment. The most you are comfortable paying each month — and this figure includes property taxes, insurance, mortgage insurance and any HOA fee, not just the loan. That is deliberate, because those are the parts that make a payment higher than people expect.
Your available cash. What you have for the down payment and the closing costs together.
That is the whole setup. From that point on, every property you look at shows you a payment and a cash-to-close figure measured against those two numbers, and turns green or red accordingly.
Browsing Padzilly as a guest does not let you set a profile. A guest sees a sign-up panel instead, and the payment and cash filters stay locked because there is nothing to filter against yet.
This is not an upsell — it is simply that the profile has to be stored somewhere to follow you from your phone to your laptop and to be visible to your loan officer.
Then you do not set the numbers at all. Padzilly builds the profile from the real loan, and the screen says Approved up to $X/mo. and You have $X available.
This version is better than anything you could type, because it is your lender's own decision rather than your estimate. If you have a loan officer, inviting them to upload your approval is the single most useful thing you can do on Padzilly.
Go to Profile and open Homebuying Budget. You can edit the figures there whenever you like.
One rule applies once a loan is attached: the figures are locked to what your lender approved, and you can move them down but not up. Two checkboxes — Search with lower payment and Search with less available cash — let you shop below your cap, which is what most buyers should be doing anyway.
There is a separate article on the investment profile that covers the credits, the age-restricted community setting and the lower-limit checkboxes in detail.
If you are setting these numbers yourself, resist the urge to round up. A payment you wish you could afford produces a list of homes you cannot buy, and you will spend two weeks falling in love with the wrong ones. Put in the number you would still be comfortable with in a bad month.
