This multifamily debt & equity model cost over $3,000 to build 
 It’s yours for FREE
  • This model solves the #1 problem multifamily syndicators make when financing their acquisitions.
This multifamily debt & equity model cost over $3,500 to build 
 It’s yours for FREE
  • This model solves the #1 problem multifamily syndicators make when financing their acquisitions.
Sign up now to receive these FREE BONUSES: Personal Financial Statement (PFS), Schedule of Real Estate Owned (SREO), Submission Checklist, Bio and Loan Submission Template.
Sign up now to receive these FREE BONUSES: Personal Financial Statement (PFS), Schedule of Real Estate Owned (SREO), Submission Checklist, Bio and Loan Submission Template.
I've been both a direct lender and mortgage broker for almost 20 years. Over the last 3-5 years, there's one thing that stands out as a major flaw in many pro forma models that I see.

When analyzing multifamily investments, many investors size only to LTV (Loan-to-Value). So many models relied on this simple calculation to size for debt.This worked for the longest time. Until recently!

The reality is that lenders will finance the lesser of 80% LTV or a loan supported by a 1.25x DSCR (Debt Service Coverage Ratio). Actual LTVs and DSCR vary by lender and market.

So if a property is under contract at $5,000,000, many models solved for debt at 80% LTV. That's $4,000,000. But in recent years, dues to rising property values, the max loan supported on a 1.25x DSCR might be $3,000,000. This translates to a 60% LTV.

My model solves this problem. It sizes for dent similarly to how a lender does. It takes both DSCR and LTV into consideration.

MULTIFAMILY LOAN ADVISOR
Tony Talamas
My model solves this problem. It sizes for debt as a lender would. 
It takes both DSCR and LTV into consideration. 
 It’s yours for FREE
  • It’s very simple to understand. In fact, it has step by step instructions on how to use it. 
  • ​It also contains an equity analysis tab. Inputs include a desired hold period, determining various other costs to be included in the upfront raise (i.e., acquisition fee, due diligence & legal fees, etc.), and setting assumptions around the disposition of the asset. This tab provides a summary of total equity required for the project, as well as associated project level returns.
My model solves this problem. It sizes for debt as a lender would. 
It takes both DSCR and LTV into consideration. 
 It’s yours for FREE
  • It’s very simple to understand. In fact, it has step by step instructions on how to use it.
  • ​​It also contains an equity analysis tab. Inputs include a desired hold period, determining various other costs to be included in the upfront raise (i.e., acquisition fee, due diligence & legal fees, etc.), and setting assumptions around the disposition of the asset. This tab provides a summary of total equity required for the project, as well as associated project level returns.
No catch. Just complements of a direct lender.
MODEL TABS:
  • P&L Tab Spread actual income and expense data to identify trends and red flags.
  • ​Collections Trend Visual display of physical occupancy, economic occupancy and BRU relative to GPR.
  • ​Loan Sizer Contains the majority of the key assumptions and key performance indicators which drive the model.
  • ​Real Estate Tax analysis
  • ​CapEx summary
  • ​Loan Summary
  • ​Equity Summary
YOU'LL ALSO GET THE FOLLOWING TEMPLATES
 Personal Financial Statement (PFS) 
A clean template that captures the details lenders want to see.
 Schedule of Real Estate Owned (SREO) 
Feeds into the PFS. Captures pertinent details that convey to lenders both experience and more
 Submission Checklist
 Bio
Executive Summary / Loan Submission Template
Use  this template to quickly, clearly and concisely  explain your loan request to lenders.
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