PROPTECH•TOWNSHIP ECONOMY
MRECF•CRAVF™•NTRI™•LSM™ Licensed
Clearwater Corporate Office Park, Boksburg • SAST • 24h Response
NATIONAL TOWNSHIP RENTAL INDEX • LIVE

Turning Township Rental Property Into Measurable, Bankable Assets

South Africa's township backrooms generate over R40bn a year with no formal data. We fix that. One system to grade properties, verify income, and unlock finance, revenue, and investment — for everyone.

For a gogo
in Soweto with 4 backrooms — see what your property is worth and how to get finance
For municipality
verify rental income for MPRA revenue without door-to-door audits
For bank executive
bank-grade risk scoring and valuation where StatsSA and Lightstone have no data
CRAVF GRADE PREVIEW
GRADE B • 78/100
B
+2 to A
Property
4 backrooms • Orlando West • Soweto
Monthly Rent
R6,800
Verified • 94% occupancy
Missing for A
Building plans + 2 leases
Docs
68%
Structure
82%
Rent
91%
POPIA compliant • Data stays with MRECF • No resale
NTRI CORRIDOR: Orlando • 25-layer verificationR1,600 - R2,200 / room
WHAT WE DO — IN PLAIN LANGUAGE

One system, three different outcomes. Same data.

We built and Together they make informal rentals measurable and bankable.

FOR LANDLORDS
🏠
For Landlords
From gogo with 4 rooms to investor with 80 doors
  • Get a free A-E grade for your property
  • See exactly what you need to reach Grade A (finance ready)
  • Use verified rent-roll to apply for building plans or facility
Grade My Property Free →
FOR MUNICIPALITIES
🏛️
For Municipalities
MPRA revenue without guesswork or door-to-door
  • Verified rental corridors per ward, not estimates
  • MPRA-aligned valuation for backroom income
  • Increase equitable revenue with auditable data
Municipal Edition →
FOR BANKS & INVESTORS
📊
For Banks & Investors
Risk, yield, and deployment where no data existed
  • Bank-grade risk scoring (TRBCS™) and pricing
  • Verified yield bands and occupancy per corridor
  • API for underwriting and portfolio monitoring
Explore NTRI →
HOW CRAVF + NTRI WORK TOGETHER

From property to bankable outcome in 5 steps

Same property data, different uses. We grade the property once (CRAVF), verify it against the national index (NTRI), and output what each stakeholder needs.

01Input
Property
You submit address, photos, rooms, rent. Via app.cravf.co.za or in-person.
→
02Verify
Rent Roll
We capture verified income — who pays, how much, how often. Bank statements where available.
→
03Grade
CRAVF Grade A-E
9 metrics scored. Grade given with clear path: what you need to move from C to B to A.
→
0490 modules • 25 layers
NTRI Index
90 modules, 25 layers check your corridor against national data. Rental bands, risk, demand.
→
05Outcome
Outcome
Facility letter (banks), MPRA revenue pack (municipality), yield memo (investors). One source of truth.
MRECF LSM™ license = how we legally share data. Every use is licensed, not sold.
CSC™ Certification = our quality stamp. Person who captured data is certified.
POPIA compliant = your personal info is protected. We only share aggregated corridors, not your ID.
CRAVF™ GRADING • A-E

A credit score, but for your backrooms.

CRAVF = No jargon — we tell you what's good and what's missing.

A
Finance Ready
Title deed, approved plans, signed leases, municipal compliant. Ready for bank facility.
B
Established Income
Stable rental, good structure. Small fixes needed (paperwork or maintenance) to reach A.
C
Income with Gaps
Earning rent, but missing leases, no plans, or inconsistent collection. Clear path to B.
D
Needs Compliance
Structure exists but needs formalization — building compliance, zoning, or health & safety.
E
Major Work Required
Not yet lettable or high risk. Needs major maintenance or legal clearance before grading up.
HOW TO GET GRADED — 8-STEP LOOP
01
Submit property
02
Capture via app.cravf.co.za
03
Verify docs
04
Site check (CSC™)
05
Score 9 metrics
06
Grade A-E issued
07
Improvement plan
08
Re-grade when ready
Start free grading →
9 METRICS — IN SIMPLE WORDS

Every property is checked on these 9 things. No hidden formula.

01
Structure & Safety
Walls, roof, foundation, damp, electricity
02
Services
Water, sewer, electricity, waste
03
Planning Compliance
Zoning, building plans, approvals
04
Tenure & Docs
Title deed, permission to occupy
05
Rental Economics
How much rent, how often, occupancy
06
Tenant Management
Leases, screening, collections
07
Financial Records
Proof of income, expenses, bank statements
08
Risk Factors
Flood, fire, disputes, overcrowding
09
Future Value
Can it grow? Add rooms? Increase rent?
What does this mean for technical terms?
: How we calculate market rent per corridor — not guess, verified.
: Rental data packaged for MPRA revenue use.
: How reliably tenants pay — for bank risk.
: Our 25-layer check that proves data is real, not estimated.
: Type of backroom — single, family, bachelor, etc.
NTRI™ • NATIONAL TOWNSHIP RENTAL INDEX

The data StatsSA and Lightstone don't have.

StatsSA counts houses. Lightstone values suburbs. Neither tracks how much backrooms earn, room-by-room, street-by-street. NTRI does — 90+ modules (different checks) and 25 layers (verification steps) to make it bank-grade.

Verified corridor
Orlando West rooms: R1,600 - R2,200. Not average for Soweto — specific to that corridor.
Rental bands + occupancy
How much per room type, how full, how often tenants change.
Risk scoring
TRBCS™ — will tenants pay? Flood, fire, dispute risk per corridor.
Valuation (MVRAF™)
What is rental property worth based on real income, not municipal guess.
API access
Banks plug NTRI into loan systems. Live data, not PDF reports.
MPRA pack
Municipalities get MRED™ — ready for supplementary valuation roll.
25-LAYER STACK — SIMPLY EXPLAINED
▸1-5: Collection — app capture, photos, GPS, CSC™ certified field worker
▸6-12: Verification — DDPM™ cross-checks bank statements, leases, municipal data
▸13-18: Economics — MVRAF™, PBEC™, TRBCS™ calculate real market value and risk
▸19-25: Governance — DGF™ (Data Governance Framework), POPIA, LSM™ licensing, audit trail
Why bank-grade? Every number has a source. No estimates. If we say R1,800, we can show 40 leases at R1,800 in that street.
WHO IT'S FOR
M
Municipal Manager
Defend MPRA revenue with auditable data. Per municipality license.
B
Bank Risk / Credit
Underwrite township rentals with verified income, not informal estimates.
I
Investor / Developer
See yield by corridor before deploying capital.
See institutional pricing →
CRAVF ACADEMY • 8 MODULES

Learn to manage township property like a business.

Online + in-community. No matric required. Built for landlords, field workers, and municipal officials. Every module ends with a practical task on your own property.

Online + in-person • Soweto, Tembisa, Umlazi hubs
Certificate via CSC™
012 weeks
Tenant Lifecycle
Finding, screening, keeping good tenants. Handling vacancies without losing income.
023 weeks
Backroom Property Economics
What makes a backroom profitable. Pricing, costs, and real yield.
032 weeks
Rent-Roll Management
Track every room, every rand. From notebook to verifiable rent-roll.
045 weeks
Property Compliance & Planning
Municipal rules, building plans, zoning — in plain language.
053 weeks
Asset Assessment & CRAVF Grading
Learn how we grade A-E and how to move your property up.
064 weeks
Property Finance Readiness
What banks check. How to prepare documents for a facility.
076 weeks
Township Property Development
Build more rooms properly — budgeting, contractors, approvals.
082 weeks
Property Data Management
Keep your property data safe, private, and useful. POPIA basics.
PRICING • SIMPLE AND INSTITUTIONAL

Free to start. Pay only for verified steps.

Individuals: free grade, pay only when you need verified docs for finance. Institutions: annual license via Annual billing saves 20%. All prices excl VAT.

FOR INDIVIDUALS • CRAVF™
Landlord Edition
FREE GRADE
CRAVF Grade (A-E) • Self capture via app.cravf.co.zaFree
You submit photos + rent info. Get grade + improvement plan instantly. No payment needed.
Pay only for verified assessment (when you need finance)
Building plans example (Soweto, 4 rooms)R15,000
CSC™ site verification + rent-roll auditOn quote
Finance-ready pack (for bank facility)On quote
Example: R15k for plans is municipal + draftsman fee, not MRECF fee. We quote per property — no hidden costs.
Start free grading →
FOR INSTITUTIONS • NTRI™
NTRI Index License
SAVE 20% ANNUAL
Municipal EditionPOPULAR
Per municipality
  • MRED™ MPRA pack per ward
  • Verified rental corridors
  • Supplementary roll support
  • POPIA + DGF™ governance
LSM™ Licensed • No resale • Via MRECF
Banking Edition
Risk + valuation
  • TRBCS™ risk scoring
  • MVRAF™ valuation API
  • Portfolio monitoring
  • Audit trail per corridor
LSM™ Licensed • No resale • Via MRECF
Investor Edition
Yield + deployment
  • Yield bands by corridor
  • Occupancy + tenant churn
  • Development feasibility
  • Monthly NTRI updates
LSM™ Licensed • No resale • Via MRECF
Enterprise
API + white-label
  • Full 90-module access
  • White-label + SSO
  • Custom corridors
  • Dedicated CSC™ support
LSM™ Licensed • No resale • Via MRECF
Exact pricing per municipality/portfolio size — we quote after scoping. Annual billing saves 20% vs monthly. All licenses exclude VAT and require LSM™ agreement.
Request institutional quote →
FAQ • PLAIN LANGUAGE

Questions a landlord, manager, and banker all ask.

Every technical term has a plain English explanation. No jargon without brackets.

Still confused?
Email admin@moshoeshoepropertyfund.co.za — we reply within 24h SAST. Or visit cravf.co.za and app.cravf.co.za to try grading free.
Because informal means invisible to banks and municipalities. If your 4 rooms earn R6,800, but you can't prove it, bank sees R0. NTRI makes it verifiable — same rent, but now bank can count it. Municipalities also lose revenue because they can't audit what they can't measure. Paying for verification unlocks finance (for you) and revenue (for them).
CONTACT • 24H RESPONSE SAST

Start with a free grade. No paperwork to start.

For landlords: grade via app.cravf.co.za. For municipalities, banks, investors: request NTRI scoping call. Office: Clearwater Corporate Office Park, Boksburg.

OFFICE HOURS
Mon-Fri 08:00-17:00 SAST • 24h email response
WHAT TO SEND
Address, 4 photos, rent per room — we handle rest
GOVERNANCE
Governed by CRAVF Standards Council • IP owned by MRECF
REQUEST QUOTE / GRADE
By submitting, you agree to POPIA processing by MRECF for CRAVF/NTRI purposes. No spam, no resale. Data licensed via LSM™.
M
MRECF • CRAVF™ • NTRI™ • LSM™ • CSC™
© 2026 Moshoeshoe Real Estate Capital Fund (MRECF) • CRAVF™ • NTRI™ • LSM™ • CSC™ • All rights reserved. Governed by CRAVF Standards Council. IP owned by MRECF. MVRAF™, MRED™, TRBCS™, DDPM™, PBEC™, DGF™ are trademarks of MRECF. POPIA compliant. Clearwater Corporate Office Park, Boksburg. Annual billing saves 20% vs monthly, excl VAT, LSM licensed, no resale. Building plan example R15k Soweto is third-party municipal/draftsman fee.
LEGAL
POPIA
LSM™ License
DGF™ Governance
Standards Council
PROPTECH•TOWNSHIP ECONOMY•RENTAL INTELLIGENCE•MPRA ALIGNED•BANK-GRADE • VERIFIABLE • 90+ MODULES • 25 LAYERS
PROPTECH•TOWNSHIP ECONOMY
MRECF•CRAVF™•NTRI™•LSM™ Licensed
Clearwater Corporate Office Park, Boksburg • SAST • 24h Response
NATIONAL TOWNSHIP RENTAL INDEX • LIVE

Turning Township Rental Property Into Measurable, Bankable Assets

South Africa's township backrooms generate over R40bn a year with no formal data. We fix that. One system to grade properties, verify income, and unlock finance, revenue, and investment — for everyone.

For a gogo
in Soweto with 4 backrooms — see what your property is worth and how to get finance
For municipality
verify rental income for MPRA revenue without door-to-door audits
For bank executive
bank-grade risk scoring and valuation where StatsSA and Lightstone have no data
CRAVF GRADE PREVIEW
GRADE B • 78/100
B
+2 to A
Property
4 backrooms • Orlando West • Soweto
Monthly Rent
R6,800
Verified • 94% occupancy
Missing for A
Building plans + 2 leases
Docs
68%
Structure
82%
Rent
91%
POPIA compliant • Data stays with MRECF • No resale
NTRI CORRIDOR: Orlando • 25-layer verificationR1,600 - R2,200 / room
WHAT WE DO — IN PLAIN LANGUAGE

One system, three different outcomes. Same data.

We built and Together they make informal rentals measurable and bankable.

FOR LANDLORDS
🏠
For Landlords
From gogo with 4 rooms to investor with 80 doors
  • Get a free A-E grade for your property
  • See exactly what you need to reach Grade A (finance ready)
  • Use verified rent-roll to apply for building plans or facility
Grade My Property Free →
FOR MUNICIPALITIES
🏛️
For Municipalities
MPRA revenue without guesswork or door-to-door
  • Verified rental corridors per ward, not estimates
  • MPRA-aligned valuation for backroom income
  • Increase equitable revenue with auditable data
Municipal Edition →
FOR BANKS & INVESTORS
📊
For Banks & Investors
Risk, yield, and deployment where no data existed
  • Bank-grade risk scoring (TRBCS™) and pricing
  • Verified yield bands and occupancy per corridor
  • API for underwriting and portfolio monitoring
Explore NTRI →
HOW CRAVF + NTRI WORK TOGETHER

From property to bankable outcome in 5 steps

Same property data, different uses. We grade the property once (CRAVF), verify it against the national index (NTRI), and output what each stakeholder needs.

01Input
Property
You submit address, photos, rooms, rent. Via app.cravf.co.za or in-person.
→
02Verify
Rent Roll
We capture verified income — who pays, how much, how often. Bank statements where available.
→
03Grade
CRAVF Grade A-E
9 metrics scored. Grade given with clear path: what you need to move from C to B to A.
→
0490 modules • 25 layers
NTRI Index
90 modules, 25 layers check your corridor against national data. Rental bands, risk, demand.
→
05Outcome
Outcome
Facility letter (banks), MPRA revenue pack (municipality), yield memo (investors). One source of truth.
MRECF LSM™ license = how we legally share data. Every use is licensed, not sold.
CSC™ Certification = our quality stamp. Person who captured data is certified.
POPIA compliant = your personal info is protected. We only share aggregated corridors, not your ID.
CRAVF™ GRADING • A-E

A credit score, but for your backrooms.

CRAVF = No jargon — we tell you what's good and what's missing.

A
Finance Ready
Title deed, approved plans, signed leases, municipal compliant. Ready for bank facility.
B
Established Income
Stable rental, good structure. Small fixes needed (paperwork or maintenance) to reach A.
C
Income with Gaps
Earning rent, but missing leases, no plans, or inconsistent collection. Clear path to B.
D
Needs Compliance
Structure exists but needs formalization — building compliance, zoning, or health & safety.
E
Major Work Required
Not yet lettable or high risk. Needs major maintenance or legal clearance before grading up.
HOW TO GET GRADED — 8-STEP LOOP
01
Submit property
02
Capture via app.cravf.co.za
03
Verify docs
04
Site check (CSC™)
05
Score 9 metrics
06
Grade A-E issued
07
Improvement plan
08
Re-grade when ready
Start free grading →
9 METRICS — IN SIMPLE WORDS

Every property is checked on these 9 things. No hidden formula.

01
Structure & Safety
Walls, roof, foundation, damp, electricity
02
Services
Water, sewer, electricity, waste
03
Planning Compliance
Zoning, building plans, approvals
04
Tenure & Docs
Title deed, permission to occupy
05
Rental Economics
How much rent, how often, occupancy
06
Tenant Management
Leases, screening, collections
07
Financial Records
Proof of income, expenses, bank statements
08
Risk Factors
Flood, fire, disputes, overcrowding
09
Future Value
Can it grow? Add rooms? Increase rent?
What does this mean for technical terms?
: How we calculate market rent per corridor — not guess, verified.
: Rental data packaged for MPRA revenue use.
: How reliably tenants pay — for bank risk.
: Our 25-layer check that proves data is real, not estimated.
: Type of backroom — single, family, bachelor, etc.
NTRI™ • NATIONAL TOWNSHIP RENTAL INDEX

The data StatsSA and Lightstone don't have.

StatsSA counts houses. Lightstone values suburbs. Neither tracks how much backrooms earn, room-by-room, street-by-street. NTRI does — 90+ modules (different checks) and 25 layers (verification steps) to make it bank-grade.

Verified corridor
Orlando West rooms: R1,600 - R2,200. Not average for Soweto — specific to that corridor.
Rental bands + occupancy
How much per room type, how full, how often tenants change.
Risk scoring
TRBCS™ — will tenants pay? Flood, fire, dispute risk per corridor.
Valuation (MVRAF™)
What is rental property worth based on real income, not municipal guess.
API access
Banks plug NTRI into loan systems. Live data, not PDF reports.
MPRA pack
Municipalities get MRED™ — ready for supplementary valuation roll.
25-LAYER STACK — SIMPLY EXPLAINED
▸1-5: Collection — app capture, photos, GPS, CSC™ certified field worker
▸6-12: Verification — DDPM™ cross-checks bank statements, leases, municipal data
▸13-18: Economics — MVRAF™, PBEC™, TRBCS™ calculate real market value and risk
▸19-25: Governance — DGF™ (Data Governance Framework), POPIA, LSM™ licensing, audit trail
Why bank-grade? Every number has a source. No estimates. If we say R1,800, we can show 40 leases at R1,800 in that street.
WHO IT'S FOR
M
Municipal Manager
Defend MPRA revenue with auditable data. Per municipality license.
B
Bank Risk / Credit
Underwrite township rentals with verified income, not informal estimates.
I
Investor / Developer
See yield by corridor before deploying capital.
See institutional pricing →
CRAVF ACADEMY • 8 MODULES

Learn to manage township property like a business.

Online + in-community. No matric required. Built for landlords, field workers, and municipal officials. Every module ends with a practical task on your own property.

Online + in-person • Soweto, Tembisa, Umlazi hubs
Certificate via CSC™
012 weeks
Tenant Lifecycle
Finding, screening, keeping good tenants. Handling vacancies without losing income.
023 weeks
Backroom Property Economics
What makes a backroom profitable. Pricing, costs, and real yield.
032 weeks
Rent-Roll Management
Track every room, every rand. From notebook to verifiable rent-roll.
045 weeks
Property Compliance & Planning
Municipal rules, building plans, zoning — in plain language.
053 weeks
Asset Assessment & CRAVF Grading
Learn how we grade A-E and how to move your property up.
064 weeks
Property Finance Readiness
What banks check. How to prepare documents for a facility.
076 weeks
Township Property Development
Build more rooms properly — budgeting, contractors, approvals.
082 weeks
Property Data Management
Keep your property data safe, private, and useful. POPIA basics.
PRICING • SIMPLE AND INSTITUTIONAL

Free to start. Pay only for verified steps.

Individuals: free grade, pay only when you need verified docs for finance. Institutions: annual license via Annual billing saves 20%. All prices excl VAT.

FOR INDIVIDUALS • CRAVF™
Landlord Edition
FREE GRADE
CRAVF Grade (A-E) • Self capture via app.cravf.co.zaFree
You submit photos + rent info. Get grade + improvement plan instantly. No payment needed.
Pay only for verified assessment (when you need finance)
Building plans example (Soweto, 4 rooms)R15,000
CSC™ site verification + rent-roll auditOn quote
Finance-ready pack (for bank facility)On quote
Example: R15k for plans is municipal + draftsman fee, not MRECF fee. We quote per property — no hidden costs.
Start free grading →
FOR INSTITUTIONS • NTRI™
NTRI Index License
SAVE 20% ANNUAL
Municipal EditionPOPULAR
Per municipality
  • MRED™ MPRA pack per ward
  • Verified rental corridors
  • Supplementary roll support
  • POPIA + DGF™ governance
LSM™ Licensed • No resale • Via MRECF
Banking Edition
Risk + valuation
  • TRBCS™ risk scoring
  • MVRAF™ valuation API
  • Portfolio monitoring
  • Audit trail per corridor
LSM™ Licensed • No resale • Via MRECF
Investor Edition
Yield + deployment
  • Yield bands by corridor
  • Occupancy + tenant churn
  • Development feasibility
  • Monthly NTRI updates
LSM™ Licensed • No resale • Via MRECF
Enterprise
API + white-label
  • Full 90-module access
  • White-label + SSO
  • Custom corridors
  • Dedicated CSC™ support
LSM™ Licensed • No resale • Via MRECF
Exact pricing per municipality/portfolio size — we quote after scoping. Annual billing saves 20% vs monthly. All licenses exclude VAT and require LSM™ agreement.
Request institutional quote →
FAQ • PLAIN LANGUAGE

Questions a landlord, manager, and banker all ask.

Every technical term has a plain English explanation. No jargon without brackets.

Still confused?
Email admin@moshoeshoepropertyfund.co.za — we reply within 24h SAST. Or visit cravf.co.za and app.cravf.co.za to try grading free.
Because informal means invisible to banks and municipalities. If your 4 rooms earn R6,800, but you can't prove it, bank sees R0. NTRI makes it verifiable — same rent, but now bank can count it. Municipalities also lose revenue because they can't audit what they can't measure. Paying for verification unlocks finance (for you) and revenue (for them).
CONTACT • 24H RESPONSE SAST

Start with a free grade. No paperwork to start.

For landlords: grade via app.cravf.co.za. For municipalities, banks, investors: request NTRI scoping call. Office: Clearwater Corporate Office Park, Boksburg.

OFFICE HOURS
Mon-Fri 08:00-17:00 SAST • 24h email response
WHAT TO SEND
Address, 4 photos, rent per room — we handle rest
GOVERNANCE
Governed by CRAVF Standards Council • IP owned by MRECF
REQUEST QUOTE / GRADE
By submitting, you agree to POPIA processing by MRECF for CRAVF/NTRI purposes. No spam, no resale. Data licensed via LSM™.
M
MRECF • CRAVF™ • NTRI™ • LSM™ • CSC™
© 2026 Moshoeshoe Real Estate Capital Fund (MRECF) • CRAVF™ • NTRI™ • LSM™ • CSC™ • All rights reserved. Governed by CRAVF Standards Council. IP owned by MRECF. MVRAF™, MRED™, TRBCS™, DDPM™, PBEC™, DGF™ are trademarks of MRECF. POPIA compliant. Clearwater Corporate Office Park, Boksburg. Annual billing saves 20% vs monthly, excl VAT, LSM licensed, no resale. Building plan example R15k Soweto is third-party municipal/draftsman fee.
LEGAL
POPIA
LSM™ License
DGF™ Governance
Standards Council
PROPTECH•TOWNSHIP ECONOMY•RENTAL INTELLIGENCE•MPRA ALIGNED•BANK-GRADE • VERIFIABLE • 90+ MODULES • 25 LAYERS
PROPTECH•TOWNSHIP ECONOMY
MRECF•CRAVF™•NTRI™•LSM™ Licensed
Clearwater Corporate Office Park, Boksburg • SAST • 24h Response
NATIONAL TOWNSHIP RENTAL INDEX • LIVE

Turning Township Rental Property Into Measurable, Bankable Assets

South Africa's township backrooms generate over R40bn a year with no formal data. We fix that. One system to grade properties, verify income, and unlock finance, revenue, and investment — for everyone.

For a gogo
in Soweto with 4 backrooms — see what your property is worth and how to get finance
For municipality
verify rental income for MPRA revenue without door-to-door audits
For bank executive
bank-grade risk scoring and valuation where StatsSA and Lightstone have no data
CRAVF GRADE PREVIEW
GRADE B • 78/100
B
+2 to A
Property
4 backrooms • Orlando West • Soweto
Monthly Rent
R6,800
Verified • 94% occupancy
Missing for A
Building plans + 2 leases
Docs
68%
Structure
82%
Rent
91%
POPIA compliant • Data stays with MRECF • No resale
NTRI CORRIDOR: Orlando • 25-layer verificationR1,600 - R2,200 / room
WHAT WE DO — IN PLAIN LANGUAGE

One system, three different outcomes. Same data.

We built and Together they make informal rentals measurable and bankable.

FOR LANDLORDS
🏠
For Landlords
From gogo with 4 rooms to investor with 80 doors
  • Get a free A-E grade for your property
  • See exactly what you need to reach Grade A (finance ready)
  • Use verified rent-roll to apply for building plans or facility
Grade My Property Free →
FOR MUNICIPALITIES
🏛️
For Municipalities
MPRA revenue without guesswork or door-to-door
  • Verified rental corridors per ward, not estimates
  • MPRA-aligned valuation for backroom income
  • Increase equitable revenue with auditable data
Municipal Edition →
FOR BANKS & INVESTORS
📊
For Banks & Investors
Risk, yield, and deployment where no data existed
  • Bank-grade risk scoring (TRBCS™) and pricing
  • Verified yield bands and occupancy per corridor
  • API for underwriting and portfolio monitoring
Explore NTRI →
HOW CRAVF + NTRI WORK TOGETHER

From property to bankable outcome in 5 steps

Same property data, different uses. We grade the property once (CRAVF), verify it against the national index (NTRI), and output what each stakeholder needs.

01Input
Property
You submit address, photos, rooms, rent. Via app.cravf.co.za or in-person.
→
02Verify
Rent Roll
We capture verified income — who pays, how much, how often. Bank statements where available.
→
03Grade
CRAVF Grade A-E
9 metrics scored. Grade given with clear path: what you need to move from C to B to A.
→
0490 modules • 25 layers
NTRI Index
90 modules, 25 layers check your corridor against national data. Rental bands, risk, demand.
→
05Outcome
Outcome
Facility letter (banks), MPRA revenue pack (municipality), yield memo (investors). One source of truth.
MRECF LSM™ license = how we legally share data. Every use is licensed, not sold.
CSC™ Certification = our quality stamp. Person who captured data is certified.
POPIA compliant = your personal info is protected. We only share aggregated corridors, not your ID.
CRAVF™ GRADING • A-E

A credit score, but for your backrooms.

CRAVF = No jargon — we tell you what's good and what's missing.

A
Finance Ready
Title deed, approved plans, signed leases, municipal compliant. Ready for bank facility.
B
Established Income
Stable rental, good structure. Small fixes needed (paperwork or maintenance) to reach A.
C
Income with Gaps
Earning rent, but missing leases, no plans, or inconsistent collection. Clear path to B.
D
Needs Compliance
Structure exists but needs formalization — building compliance, zoning, or health & safety.
E
Major Work Required
Not yet lettable or high risk. Needs major maintenance or legal clearance before grading up.
HOW TO GET GRADED — 8-STEP LOOP
01
Submit property
02
Capture via app.cravf.co.za
03
Verify docs
04
Site check (CSC™)
05
Score 9 metrics
06
Grade A-E issued
07
Improvement plan
08
Re-grade when ready
Start free grading →
9 METRICS — IN SIMPLE WORDS

Every property is checked on these 9 things. No hidden formula.

01
Structure & Safety
Walls, roof, foundation, damp, electricity
02
Services
Water, sewer, electricity, waste
03
Planning Compliance
Zoning, building plans, approvals
04
Tenure & Docs
Title deed, permission to occupy
05
Rental Economics
How much rent, how often, occupancy
06
Tenant Management
Leases, screening, collections
07
Financial Records
Proof of income, expenses, bank statements
08
Risk Factors
Flood, fire, disputes, overcrowding
09
Future Value
Can it grow? Add rooms? Increase rent?
What does this mean for technical terms?
: How we calculate market rent per corridor — not guess, verified.
: Rental data packaged for MPRA revenue use.
: How reliably tenants pay — for bank risk.
: Our 25-layer check that proves data is real, not estimated.
: Type of backroom — single, family, bachelor, etc.
NTRI™ • NATIONAL TOWNSHIP RENTAL INDEX

The data StatsSA and Lightstone don't have.

StatsSA counts houses. Lightstone values suburbs. Neither tracks how much backrooms earn, room-by-room, street-by-street. NTRI does — 90+ modules (different checks) and 25 layers (verification steps) to make it bank-grade.

Verified corridor
Orlando West rooms: R1,600 - R2,200. Not average for Soweto — specific to that corridor.
Rental bands + occupancy
How much per room type, how full, how often tenants change.
Risk scoring
TRBCS™ — will tenants pay? Flood, fire, dispute risk per corridor.
Valuation (MVRAF™)
What is rental property worth based on real income, not municipal guess.
API access
Banks plug NTRI into loan systems. Live data, not PDF reports.
MPRA pack
Municipalities get MRED™ — ready for supplementary valuation roll.
25-LAYER STACK — SIMPLY EXPLAINED
▸1-5: Collection — app capture, photos, GPS, CSC™ certified field worker
▸6-12: Verification — DDPM™ cross-checks bank statements, leases, municipal data
▸13-18: Economics — MVRAF™, PBEC™, TRBCS™ calculate real market value and risk
▸19-25: Governance — DGF™ (Data Governance Framework), POPIA, LSM™ licensing, audit trail
Why bank-grade? Every number has a source. No estimates. If we say R1,800, we can show 40 leases at R1,800 in that street.
WHO IT'S FOR
M
Municipal Manager
Defend MPRA revenue with auditable data. Per municipality license.
B
Bank Risk / Credit
Underwrite township rentals with verified income, not informal estimates.
I
Investor / Developer
See yield by corridor before deploying capital.
See institutional pricing →
CRAVF ACADEMY • 8 MODULES

Learn to manage township property like a business.

Online + in-community. No matric required. Built for landlords, field workers, and municipal officials. Every module ends with a practical task on your own property.

Online + in-person • Soweto, Tembisa, Umlazi hubs
Certificate via CSC™
012 weeks
Tenant Lifecycle
Finding, screening, keeping good tenants. Handling vacancies without losing income.
023 weeks
Backroom Property Economics
What makes a backroom profitable. Pricing, costs, and real yield.
032 weeks
Rent-Roll Management
Track every room, every rand. From notebook to verifiable rent-roll.
045 weeks
Property Compliance & Planning
Municipal rules, building plans, zoning — in plain language.
053 weeks
Asset Assessment & CRAVF Grading
Learn how we grade A-E and how to move your property up.
064 weeks
Property Finance Readiness
What banks check. How to prepare documents for a facility.
076 weeks
Township Property Development
Build more rooms properly — budgeting, contractors, approvals.
082 weeks
Property Data Management
Keep your property data safe, private, and useful. POPIA basics.
PRICING • SIMPLE AND INSTITUTIONAL

Free to start. Pay only for verified steps.

Individuals: free grade, pay only when you need verified docs for finance. Institutions: annual license via Annual billing saves 20%. All prices excl VAT.

FOR INDIVIDUALS • CRAVF™
Landlord Edition
FREE GRADE
CRAVF Grade (A-E) • Self capture via app.cravf.co.zaFree
You submit photos + rent info. Get grade + improvement plan instantly. No payment needed.
Pay only for verified assessment (when you need finance)
Building plans example (Soweto, 4 rooms)R15,000
CSC™ site verification + rent-roll auditOn quote
Finance-ready pack (for bank facility)On quote
Example: R15k for plans is municipal + draftsman fee, not MRECF fee. We quote per property — no hidden costs.
Start free grading →
FOR INSTITUTIONS • NTRI™
NTRI Index License
SAVE 20% ANNUAL
Municipal EditionPOPULAR
Per municipality
  • MRED™ MPRA pack per ward
  • Verified rental corridors
  • Supplementary roll support
  • POPIA + DGF™ governance
LSM™ Licensed • No resale • Via MRECF
Banking Edition
Risk + valuation
  • TRBCS™ risk scoring
  • MVRAF™ valuation API
  • Portfolio monitoring
  • Audit trail per corridor
LSM™ Licensed • No resale • Via MRECF
Investor Edition
Yield + deployment
  • Yield bands by corridor
  • Occupancy + tenant churn
  • Development feasibility
  • Monthly NTRI updates
LSM™ Licensed • No resale • Via MRECF
Enterprise
API + white-label
  • Full 90-module access
  • White-label + SSO
  • Custom corridors
  • Dedicated CSC™ support
LSM™ Licensed • No resale • Via MRECF
Exact pricing per municipality/portfolio size — we quote after scoping. Annual billing saves 20% vs monthly. All licenses exclude VAT and require LSM™ agreement.
Request institutional quote →
FAQ • PLAIN LANGUAGE

Questions a landlord, manager, and banker all ask.

Every technical term has a plain English explanation. No jargon without brackets.

Still confused?
Email admin@moshoeshoepropertyfund.co.za — we reply within 24h SAST. Or visit cravf.co.za and app.cravf.co.za to try grading free.
Because informal means invisible to banks and municipalities. If your 4 rooms earn R6,800, but you can't prove it, bank sees R0. NTRI makes it verifiable — same rent, but now bank can count it. Municipalities also lose revenue because they can't audit what they can't measure. Paying for verification unlocks finance (for you) and revenue (for them).
CONTACT • 24H RESPONSE SAST

Start with a free grade. No paperwork to start.

For landlords: grade via app.cravf.co.za. For municipalities, banks, investors: request NTRI scoping call. Office: Clearwater Corporate Office Park, Boksburg.

OFFICE HOURS
Mon-Fri 08:00-17:00 SAST • 24h email response
WHAT TO SEND
Address, 4 photos, rent per room — we handle rest
GOVERNANCE
Governed by CRAVF Standards Council • IP owned by MRECF
REQUEST QUOTE / GRADE
By submitting, you agree to POPIA processing by MRECF for CRAVF/NTRI purposes. No spam, no resale. Data licensed via LSM™.