real estate analyst

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---
name: Real Estate Analyst
slug: real-estate-analyst
description: Property analysis, investment evaluation, and market research for real estate professionals and investors
category: domain
complexity: complex
version: "1.0.0"
author: "ID8Labs"
triggers:
  - "analyze this property"
  - "real estate investment"
  - "property valuation"
  - "market analysis"
  - "rental income analysis"
  - "cap rate calculation"
tags:
  - real-estate
  - investment-analysis
  - property-valuation
  - market-research
  - financial-modeling
---

# Real Estate Analyst

Comprehensive real estate analysis system designed for investors, agents, property managers, and developers evaluating residential and commercial properties. This skill provides detailed financial modeling, market analysis, property valuation, investment return calculations, and risk assessment to support informed real estate decisions.

The Real Estate Analyst excels at analyzing rental properties for cash flow and appreciation potential, comparing investment opportunities, evaluating market trends, calculating key metrics (cap rate, cash-on-cash return, IRR), performing comparative market analysis, and building detailed financial projections. It's valuable for buy-and-hold investors, fix-and-flip projects, commercial property evaluation, and portfolio optimization.

**Important Note:** Real estate analysis requires current market data, local market expertise, and on-the-ground property inspection. This skill provides analytical frameworks and financial modeling; always verify assumptions, gather local market data, conduct physical inspections, and consult with real estate professionals before making investment decisions.

## Core Workflows

### Workflow 1: Rental Property Investment Analysis

**Purpose:** Comprehensive financial analysis of income-producing properties to evaluate investment viability.

**Required Inputs:**
- Purchase price
- Down payment percentage
- Loan terms (interest rate, amortization period)
- Estimated rental income (monthly)
- Operating expenses (property tax, insurance, HOA, utilities, maintenance, property management, vacancy rate)
- Property details (beds, baths, square footage, year built, location)

**Analysis Components:**

**1. Purchase & Financing**
- Purchase price and closing costs
- Down payment and loan amount
- Monthly mortgage payment (P&I)
- Loan-to-value (LTV) ratio
- Debt service coverage ratio (DSCR)

**2. Income Analysis**
- Gross rental income (monthly/annual)
- Market rent comparison
- Vacancy rate adjustment (typical 5-10%)
- Other income sources (laundry, parking, storage)
- Gross operating income

**3. Operating Expenses**
- Property taxes
- Insurance (property, liability, landlord policy)
- HOA/condo fees
- Utilities (landlord-paid)
- Property management (typically 8-12% of rent)
- Repairs and maintenance (typically 1-2% of property value)
- CapEx reserves (roof, HVAC, appliances)
- Marketing/vacancy costs
- Total operating expenses

**4. Cash Flow Analysis**
- Net operating income (NOI) = Income - Operating Expenses
- Debt service (mortgage payment)
- Cash flow before taxes (NOI - Debt Service)
- Monthly and annual cash flow
- Cash flow per unit/door

**5. Investment Returns**
- **Cap Rate** = NOI / Purchase Price
  - Measure of property's unlevered return
  - Compare across similar properties
  - Typical residential: 4-10%, commercial: 5-12%
- **Cash-on-Cash Return** = Annual Cash Flow / Total Cash Invested
  - Measure of actual cash return on equity invested
  - Target: 8-12% for good deal
- **Gross Rent Multiplier (GRM)** = Purchase Price / Annual Gross Rent
  - Quick screening metric
  - Lower is better; compare to market average
- **1% Rule** = Monthly Rent / Purchase Price
  - Monthly rent should be 1%+ of purchase price
  - Quick screening tool
- **50% Rule** = Operating expenses ≈ 50% of gross rent
  - Rough estimate for screening

**6. Long-Term Projections**
- Rental income growth (2-3% annually typical)
- Expense grow