DealReady — Underwriting in 10 Minutes | Reinaldo Padron
The engine

DealReadyUnderwriting that keeps up with the deal.

I built it because the industry still underwrites with one spreadsheet, one analyst, and two days nobody has. It works the same whether you're pricing a shovel-ready site or refinancing a stabilized 80-unit.

Run one of your deals
How it works

Four steps, under ten minutes.

01

Upload your deal documents

Drag in the OM, architectural plans, and any GC bids. Unit mix, square footage, lot size, sponsor details, asking price, and current rents are read automatically.

02

Answer five questions

Hold strategy, available equity, submarket positioning, debt assumption. About 90 seconds.

03

Agents work in parallel

Specialized agents pull rental and sale comps, validate the construction budget against verified cost benchmarks, and model multiple exit scenarios at once.

04

Your package is ready

Investment memorandum, Excel underwriting model, and lender package — cross-checked for consistency. Returns, DSCR, IRR, MOIC, and any flags surface immediately.

The math

Where the hours actually go.

StepOn your ownWith me
Property data extraction30–45 min~1 min
Market research (comps)60–90 min~2 min
Build Excel model90–180 min~1 min
Write investment memo60–120 min~1 min
QA + scenario runs30–60 min~1 min
Review + send15–30 min5 min
Total5–8 hours~10 minutes
Proof

Two real deals. Two deal types.

Not a demo file. These are packages that went to actual capital partners and an actual lender — one ground-up development, one stabilized refinance.

Awacate

Ground-up

24-unit mixed-use · Wynwood Norte, Miami

What came out

  • 10-page investment memorandum, capital-partner ready
  • Dual-path model: for-sale condo vs. furnished rental hold
  • Full unit mix, development budget, and timeline
  • Sensitivity tables and scenario comparison

Underwrite time

9 minutes

Manual equivalent

~2 days

Cafecito Living

Refinance

17 studios + retail bay · Little Havana, Miami

What came out

  • Stabilized pro forma model — DSCR, LTV, and bear-case stress test
  • Appraiser-style rent comparable adjustment grid
  • 12 verified comps with operator-confirmed pricing
  • Submarket analysis and stabilized rent support
  • Response letter to the appraiser, sent with the package

Purpose

Support the value

Went to

The refi lender

What you get

Every run produces the same package.

Investment Memorandum (PDF + DOCX)
8-Tab Excel Underwriting Model
Lender Package (credit memo format)
Scenario Analysis (sell vs. hold vs. hybrid)
Sensitivity Tables (rate, rent, cost)
Comp Set with Sources
Construction Cost Validation
Risk Flags & Underwriting Notes
Who it's for

Three people who lose money to slow numbers.

Developers

Bid on sites the same day they surface. Raise capital with institutional-grade packages. Test five scenarios before committing to one.

Lenders

Run an independent underwrite on any application in minutes. Catch optimistic borrower assumptions before they become portfolio risk.

Mortgage brokers

Win mandates by being the broker who came back first with a complete package. Stress-test the sponsor before you shop it.

What it doesn't do

It doesn't replace your judgment.

Everyone reading this knows how to underwrite a deal. That was never the bottleneck. The bottleneck is that comp research is tedious, models break when assumptions change, and writing a polished memo after a full day of modeling is the last thing anyone wants to do.

The system flags when a GC bid runs high. It asks before using a comp set it's unsure about. It tells you when both the condo and rental paths pencil so you can decide which to lead with. The underwriting is yours. The grunt work isn't.

Bring a real deal.

We'll run it live. You keep the package.

No cost, no commitment. Bring something you're actually working on.

See everything else I do for developers