Deal Set / V.7.16.26 — K-DSCR Underwriting Model

K-DSCR 1–4 Unit Deal Analyzer for Purchase

STATUS: LIVE

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Property Details

Address

Year built

Square feet

Step 1 — PITIA

Purchase & financing

Purchase price$

Interest rateannual %

Down payment% of price

Loan termyears

Insurance$/yr

Property tax$/yr — post-sale basis

HOA$/mo

Principal & interest—

Property tax (monthly)—

Insurance (monthly)—

Monthly PITI—

+ HOA—

Monthly PITIA—

Step 2 — Income

Unit count & rent roll

Unit 1 monthly rent

Unit 2 monthly rent

Unit 3 monthly rent

Unit 4 monthly rent

Other monthly incomelaundry, parking, storage

Total monthly income—

Step 3 — DSCR Ratio

Monthly income ÷ PITIA — no vacancy, management, or CapEx factored in

Mthly Income / PITIA—

Deal Code GREEN DSCR 1.61 Green ≥1.00 · Yellow 0.80–0.99 · Red <0.80

Step 4 — Operating Expenses

Applied against annual gross income

Vacancy allowance%

Property management%

Maintenance%

CapEx reserve%

Other expenses$/mo

Total Annual Operating Expenses—

Step 5 — NOI

Annual gross income—

Annual expenses—

NOI—

Step 6 — Cap Rate

NOI ÷ Purchase Price—

Step 7 — Cash Flow

NOI—

Annual PITIA—

Annual cash flow—

Monthly cash flow—

Step 8 — Cash-To-Close

Closing costs% of price

Rehab / turn budget$ up front

Down payment—

Closing costs—

Rehab—

Total Cash-To-Close—

Step 9 — CoC

Cash Flow ÷ Total Cash-To-Close—

Step 10 — Return Projection

Growth & exit assumptions

Annual rent growth%

Annual expense growth%

Annual appreciation%

Cost of sale% at exit

5-yr ROI (avg/yr)—

5-yr IRR—

10-yr ROI (avg/yr)—

10-yr IRR—

Step 11 — Risk Notes

California-specific factors

Rent control ordinance applies

Earthquake / high-hazard zone

Insurance market hardening exposure

Step 12 — Deal Score

A separate 5-category scoring model — not used for the Deal Code above, kept here for extra context.

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Step 13 — Offer Strategy

Target cap rate%

Target cash-on-cash%

Minimum DSCR requiredlender floor

List price—

Offer at target cap rate—

Offer at target DSCR—

Offer at target CoC—

Max offer (most conservative)—

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