ADVISORY

real estate Analyst + ADVISORY SERVICES

 

Insight and Guidance

  • MARKET PERFORMANCE SUMMARIES

  • CALCULATED RISK ASSESSMENTS

  • failure rates by industry

HOUSING MARKET PERFORMANCE

  • RESIDENTIAL HOUSING VALUATIONS

  • Housing Supply vs demand

  • Ownership and Vacancy reports

  • Housing Affordability Index

  • Area Overviews

  • listing and sale Activity by County

  • Price Range Review

  • Days on Market Until Sale by Price Range

  • Price Range with Shortest Average Days on Market Until Sale

  • Price Range with Longest Average Days on Market Until Sale

  • Price Range with the Most Closed Sales

  • Price Range with the Fewest Closed Sales

  • Months Supply of housing Inventory

COMMERCIAL MARKET PERFORMANCE

  • OFFICE MARKET

  • INDUSTRIAL MARKET

  • RETAIL MARKET

  • MULTI-FAMILY MARKET

MARKET Survey's

ASSISTING clientele in determining what marketplace to invest in AND where their time and money is better spent.

  • LOCATION ANALYSIS

  • Demographic characteristics

  • Population Density

  • Annual Average Daily Traffic

  • area Recognition

  • Employment Opportunities

  • SCHOOL RATINGS

  • CRIME RATINGS

  • NATURAL DISASTER RISKS

  • CLIMATE RATINGS

  • Real Estate Prices

  • Inventory Count

  • Occupancy Rates

  • Vacancy Rates

  • Developments

  • Outlook

  • Finance and Investment trends

  • Market Research Reports

DEVELOPMENT

PRE-feasibility STUDY

  • NEEDS ANALYSIS

  • Area, Demographic, and Neighborhood Analysis

  • Site Review

  • Proposed Development Recommendations and Costs

  • Market Analysis

  • Proposed Development Usage and Pricing Analysis

  • Financial Analysis

  • Valuation Analysis

  • Comparison of Value Created to Projected Costs

BUSINESS OWNER PERFORMANCE assessment

Evaluating THE STRENGTH OF A Business

Activity Ratios

  • Inventory turnover

  • Receivables turnover

  • Payables turnover

  • Asset turnover

Liquidity Ratios

  • Current ratio

  • Quick ratio

  • Cash ratio

Solvency Ratios

  • Debt-to-Assets Ratio

  • Debt-to-Capital Ratio

  • Debt-to-Equity Ratio

  • Interest Coverage Ratio

Profitability Ratios

  • Gross Profit Margin

  • Operating Profit Margin

  • Net Profit Margin

  • Return on Assets (ROA)

  • Return on Equity (ROE)

Analyzing business FINANCIAL STATEMENTS

Comparing COMPANY RATIOS to Industry ratioS

FINANCIAL STATEMENTS

Balance Sheet

Income Statement

Cash Flow Statement

ASSET MANAGEMENT ratios

Accounts Receivable Turnover

Inventory Turnover

LIQUIDITY RATIOS

Working Capital

Quick or Acid Test

Current

DEBT MANAGEMENT RATIOS

Leverage (or Debt to Worth)

Accounts Payable Turnover

PROFITABILITY RATIOS

Profit Margin on Sales

Cash Flow to Current

Maturities (Debt Service) 

Commercial lending & Loan Underwriting Ratios

Commercial Financing is underwritten on a case by case basis. Every loan applicant is unique and evaluated on its own merits, however there is common criteria lenders look for in commercial loan packages.

  • Debt Ratio

  • Loan-to-Value Ratio

  • Debt Service Coverage Ratio

  • Debt Yield Ratio

  • Net-Worth-To-Loan-Size Ratio

  • Loan-to-Cost Ratio

  • Profit Ratio

OBTAINING FINANCING

our firm Assists clientele with exploring funding options through banks, mortgage brokers and credit unions.

  • Banks - work directly with borrowers to provide financing on the retail level.

  • Mortgage Brokers - work as middlemen between banks and BORROWERS on the wholesale end to secure financing for THE BORROWER. Pricing with mortgage brokers can be just as competitive as a bank, so long as the broker doesn’t take too much off the top. Wholesale rates can actually be much cheaper than retail interest rates you’ll get with banks.

  • Credit Unions - are member owned nonprofit entities. As such, credit unions attempt to break even rather than make a profit on home loans.  Therefore, processing costs including origination fees can often be avoided if you take out a mortgage at a credit union rather than a bank.

Improving Business Cash Flow by Selling Accounts Receivables

Our firm has relationships with factors that purchase company accounts receivables at a discount to free up cash needed for company operating expenditures.

RAISING CAPITAL UTILIZING A SALE-LEASEBACK transaction

our firm Assists owner's IN sale-leaseback transactionS to monetize their real estate assets.  a sale-leaseback occurs when the real estate owner sells the property to a buyer and simultaneously leases the property back under a long-term lease.

Real Estate Investment & Cash Flow Analysis

calculated risk assessments, BUDGETS, FORECASTS, PROJECTIONS, AND PRO-FORMA STATEMENTS

  • Gross Scheduled Income (GSI)

  • Gross Operating Income (GOI)

  • Net Operating Income (NOI)

  • Debt Coverage Ratio (DCR)

  • Cash on Cash Return (COC)

  • Return on Investment (ROI)

  • Overall Return Scenario Analysis

  • Capitalization Rate (CAP RATE)

  • Loan to Value Ratio (LTVR)

  • Gross Rent Multiplier (GRM)

  • Internal Rate of Return (IRR)

  • Modified Internal Rate of Return (MIRR)

  • Cash Flow Before Tax (CFBT)

  • Operating Expense Ratio (OER)

  • Debt Coverage Ratio (DCR)

  • Break-Even Ratio (BER)

  • Depreciation (Cost Recovery)

  • Mid-Month Convention

  • Cash Flow After Tax (CFAT)

  • Discounted Cash Flow Analysis (DCF)

  • Time Value of Money (TMV)

  • Present Value (PV)

  • Future Value (FV)

  • Net Present Value (NPV)

Property Tax Assessment Value Appeal services

our firm investigates whether there are grounds for obtaining a reduction in the assessed value of an Owner’s property, we also represent them as assessment appeal advocates in connection with excessive assessment grievance proceedings.