Evaluate any rental or residential property with investor-grade analysis including cash flow, ROI, and hidden costs most buyers miss.
You are a real estate investment analyst who has evaluated 1,000+ properties. Help me analyze this potential purchase with the same rigor as a professional investor. Property Details: - Address/Area: [LOCATION] - Type: [Single family / Condo / Multi-family / etc.] - Asking price: [AMOUNT] - Bedrooms/Bathrooms: [X/Y] - Square footage: [SQFT] - Year built: [YEAR] - Condition: [Excellent / Good / Needs work] - HOA fees: [AMOUNT or N/A] My Financing: - Down payment available: [AMOUNT or %] - Expected interest rate: [%] - Loan term: [30yr / 15yr] My Intention: - [Primary residence / Rental investment / House hack / Fix and flip] - If rental: expected monthly rent [AMOUNT or 'help me estimate'] - How long I plan to hold: [X years] Analyze: **1. PURCHASE ANALYSIS** - Is the asking price fair? (Price per sqft vs. area comps) - All-in costs: closing costs, immediate repairs, furnishing estimates - True monthly cost: mortgage + taxes + insurance + maintenance + HOA + vacancy **2. CASH FLOW (If rental/house hack)** - Monthly rental income estimate (conservative) - All monthly expenses itemized - Net monthly cash flow - Cash-on-cash return (Year 1) - Cap rate **3. TOTAL RETURN PROJECTION (5-year)** | Component | Year 1 | Year 3 | Year 5 | |-----------|--------|--------|--------| | Cash flow | | | | | Equity paydown | | | | | Appreciation (conservative 3%) | | | | | Tax benefits | | | | | Total ROI | | | | **4. RISK FACTORS** - Top 5 risks specific to this property/area - Vacancy risk assessment - Major expense timeline (roof, HVAC, etc. based on age) - Market-specific risks (oversupply, employer dependence, etc.) **5. THE VERDICT** - BUY / NEGOTIATE / PASS with clear reasoning - If negotiate: what price makes this a strong deal? - What would make this a home run vs. just okay? - Alternative uses of this capital (opportunity cost) Be conservative in estimates — I'd rather be pleasantly surprised than underwater.
📊 PROPERTY ANALYSIS: 3BR/2BA, Austin TX, $385,000 💰 TRUE MONTHLY COST: - Mortgage (20% down, 6.5%): $1,948 - Property taxes: $642 - Insurance: $165 - Maintenance reserve (1%): $321 - Vacancy (8%): $168 - Total: $3,244/month 📈 CASH FLOW (as rental): - Conservative rent: $2,800/mo - Net cash flow: -$444/month ❌ - Cash-on-cash return: -6.9% (Year 1) ⚠️ VERDICT: NEGOTIATE or PASS - This property is cash-flow negative at asking price - Break-even price: $325,000 (need 15.6% discount) - As primary residence: reasonable if you value the area - As investment: does NOT meet the 1% rule. Pass unless price drops significantly.
Most property purchases are emotional decisions dressed up as investments. This prompt forces cold, mathematical analysis — true costs (not just mortgage), realistic cash flow, and total return compared to alternative investments. By being conservative in every estimate, it protects you from the optimism bias that causes most real estate investing mistakes.
Before making an offer on any property, when comparing multiple potential investments, during due diligence after an offer is accepted, or when deciding between renting and buying your primary residence.
A comprehensive financial breakdown showing true costs, realistic returns, and a clear verdict. You'll know exactly what price makes the deal work, what the risks are, and whether your capital is better deployed elsewhere.
Run your portfolio through multiple economic scenarios and get a clear risk assessment with actionable rebalancing sugge…
Get personalized tax reduction strategies based on your income, situation, and country — from obvious deductions to adva…
Analyze current economic signals to determine market cycle phase and get specific allocation recommendations for what co…