financial-analyst-api-production-b81a

Short-Term Rental (STR) underwriting — quarterly ADR/occupancy drive a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

Compute XIRR and MOIC from irregular cash flows with exact dates. Standard for private equity, real estate, and venture return calculations.

Full amortization schedule with monthly payment breakdown, interest-only periods, and payoff date. Supports fixed-rate, bridge, and interest-only loan structures.

Monte Carlo simulation with configurable variable distributions and custom formula. Returns P10/P50/P90 percentiles, mean, histogram, and probability of exceeding a target threshold.

FX-adjusted P&L for cross-border transactions. Splits total return into local currency gain and currency impact — essential for international private equity and real estate deals.

Full leveraged buyout model — sources and uses, debt schedule with cash sweep, operating model, exit, IRR and MOIC with entry/exit multiple sensitivity tables.

LP/GP waterfall distribution across preferred return, GP catch-up, and multiple promote tiers. Returns LP and GP splits, IRR, MOIC, and per-period cash flow allocation.

Fix-and-flip underwriting — solves backwards from a profit target to max purchase price, sizes the hard-money loan (min of LTC and ARV caps), and returns net profit, CoC, MOIC, and IRR via XIRR. Deterministic, Excel-reconciled across both binding constraints, SHA-pinned (pass attest=true).

Single-Family Rental (SFR) underwriting — monthly buy-and-hold proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Loan-to-cost financing, optional interest-only, appreciation-floored exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

Multifamily acquisition underwriting — mixed unit mix through a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Stub acquisition month, trailing-NOI exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

Multifamily development underwriting — construction to hold to exit. Models construction draws (S-curve or straight-line), capitalized interest, lease-up ramp, construction-to-perm refi, and hold period returns. Returns development yield on cost, spread to cap rate, profit on cost, IRR and MOIC.

Hotel acquisition underwriting — stabilized or bridge-to-perm value-add. Quarterly ADR x occupancy RevPAR build, other/ancillary revenue, PIP capital, construction loan with capitalized interest, permanent loan sized on min(stabilized-value LTV, purchase-price LTV, DSCR), and exit. Returns unlevered and levered project IRR and MOIC. Reconciled to a SHA-pinned Excel model — see /hotel-acq/reconciliation.

Ground-up hotel development underwriting. Land + hard costs (S-curve draw) + soft costs + developer fee, funded by a construction loan (LTC) with capitalized interest, refinanced into a permanent loan sized on min(stabilized-value LTV, DSCR) at the CL term. Occupancy begins the month after construction; the hold is measured from construction end. Returns unlevered and levered project IRR and MOIC. Reconciled to a SHA-pinned Excel model — see /hotel-dev/reconciliation.

Industrial acquisition underwriting — NNN and gross lease multi-tenant. Per-tenant lease modeling with contractual rent bumps and rollover vacancy. Blended OpEx based on NNN vs gross SF mix. Returns cap rate, NOI per SF, WALE, DSCR, IRR and MOIC.

Industrial ground-up development underwriting — construction to hold to exit. S-curve hard cost draws, blended LTC construction loan, capitalized interest, per-tenant NNN lease stabilization, perm loan sizing, TI/LC reserves on rollover. Returns yield on cost, spread to cap, profit on cost, IRR and MOIC.

DCF valuation with exit multiple or Gordon Growth terminal value. Returns enterprise value, equity value, implied share price, and WACC vs exit multiple sensitivity matrix.

Debt sizing across CRE, private equity, or project finance. Runs every applicable constraint — DSCR, LTV, debt yield, leverage, interest coverage, or LLCR — and sizes to the binding test.