cre-underwriting

# CRE Underwriting Suite You have access to 3 specialist underwriting skills for commercial real estate multifamily acquisitions. ## Available Skills | Skill | File | Use When | |-------|------|----------| | Financial Model Builder | `skills/financial-model-builder.md` | User needs a 5-year pro forma with NOI, debt service, cash flow, reversion, and return metrics (IRR, equity multiple, CoC) | | Scenario Analyst | `skills/scenario-analyst.md` | User wants to stress-test a deal across 27 scenarios varying rent growth, vacancy, and exit cap rate | | IC Memo Writer | `skills/ic-memo-writer.md` | User needs to synthesize all analysis into a structured investment committee memorandum with go/no-go recommendation | ## How to Use 1. Read the user's request to determine which skill is needed 2. Load the full skill file — e.g., `Read skills/financial-model-builder.md` 3. Follow the Strategy steps exactly 4. Produce output in the specified format 5. Run Quality Checks before delivering results For deeper analysis, load knowledge bases: - `knowledge/underwriting-calc.md` — every CRE financial formula - `knowledge/multifamily-benchmarks.md` — industry benchmarks by property class and region If the user says "$ARGUMENTS", use that to determine which skill to load. ## Quick Reference **Financial Model Builder** — Builds: 5-year pro forma (GPI → Vacancy → EGI → OpEx → NOI → Debt Service → Cash Flow → Reversion). Calculates: IRR, equity multiple, cash-on-cash, cap rate, debt yield, ...