Hire the Best Underwriters

Real Estate Underwriting | Financial Modeling | Development Modeling | Investor Reporting | ARGUS | 6 years + I am a seasoned real estate professional with over six years of experience in acquisitions, asset management, financial modeling, investor reporting, and underwriting. My background spans a wide range of asset classes, including multifamily, office, hotel, retail, self-storage, industrial, student housing, senior living, affordable housing, and data centers. I specialize in supporting real estate investors, developers, and operators with detailed, institutional-quality analysis and deliverables that support sound investment decisions and effective asset oversight. Core Competencies: • Real Estate Financial Modeling: development, value-add, stabilized, and multiphase projects • Deal Underwriting: multifamily, office, hotel, retail, industrial, and mixed-use assets • ARGUS Enterprise Modeling: rent roll and cash flow analysis for office and retail portfolios • JV Waterfall Modeling: IRR hurdles, preferred return, catch-up, and clawback structures • Tax Credit Expertise: LIHTC, NMTC, HTC, solar credits, MACRS depreciation, Section 179 • Lease Abstracting: translating complex lease terms into concise summaries for underwriting • Rent Roll and Operating Cash Flow Modeling: detailed Excel-based projections and analysis • Investment Memo and Business Plan Writing: clear, data-driven documents for investor use • Market Research & Comparative Analysis: using tools such as CoStar, REIS, and Marcus & Millichap • Yardi Voyager and Property Accounting: experience in asset-level bookkeeping and reporting I work closely with clients to deliver tailored solutions—whether that means building a robust model from the ground up, preparing a comprehensive asset summary report, or supporting investor communications with clear and accurate financial materials. Software Proficiency: • Excel (advanced), Google Sheets • ARGUS Enterprise • Yardi Voyager and rent manager • Power BI and Tableau (for CRE dashboards) • CoStar, REIS, Redfin, Zillow, Realpage, LandVision If you’re looking for reliable, detailed, and results-driven real estate financial support, I’m available for both ongoing and project-based roles. Let’s connect to explore how I can add value to your team or investment strategy. Thanks and regards, GP

I help brokers and investors close faster by preparing clean, UW-ready loan files and analyzing deals before submission. I understand how deals work—not just the paperwork. I support both residential and commercial transactions, including **hard money, DSCR, bridge, fix & flip, refinance, and SBA loans**, with hands-on experience handling complex documentation and lender requirements. 💼 What I Handle ✔ Full loan file preparation (application → underwriting → closing) ✔ Structuring files to be **UW-ready before submission** ✔ Document review (income, bank statements, tax returns, entity docs, REO) ✔ SBA document collection (PFS, 4506-C, business financials, debt schedules) ✔ Condition tracking and clearing ✔ Coordination with lenders, title, insurance, and borrowers ✔ CRM and pipeline management 🏗 Loan Types I Work With * Hard Money & Bridge Loans * Fix & Flip / Rehab Loans * DSCR Rental Loans * Cash-Out Refinance * SBA Loans (7(a), CRE, business acquisition support) 🧠 Deal Support ✔ Analyze deals using ARV, LTV, DSCR, and exit strategy ✔ Identify risks before submission ✔ Help structure files to improve approval chances ✔ Reduce back-and-forth with underwriters 🛠 Tools & Systems Follow Up Boss ARIVE Floify HubSpot Airtable Google Workspace CRM & file management platforms 🎯 Who I Work With * Mortgage brokers * Real estate investors * SBA lenders and commercial loan brokers** If you need someone who can take a file from messy to submission-ready—or help you analyze deals before moving forward—I can help streamline your process and improve efficiency. Let’s connect.

Hello, I’m Ramiro, a Commercial Real Estate Analyst with 5 years of experience supporting underwriting, financial modeling, and investment analysis for a wide range of property types. I help investors, lenders, and developers evaluate deals through clear underwriting, reliable cash flow models, market research, and presentation-ready materials. My experience includes multifamily, self-storage, mobile home parks, hospitality, land, and development projects. What I can help with: ✅ CRE Underwriting ✅ Acquisition and development pro forma model creation ✅ Construction and development budget tracking ✅ Project accounting ✅ Market research, rent comps, and sales comps ✅ Investor and lender pitch decks ✅ Excel model optimization and formatting Tools & Platforms: Excel, CoStar, Reonomy, Zillow, Redfin, DataTree, Apartments, QuickBooks, MapRight, Google Earth, Google My Maps, PowerPoint, Canva, and other real estate and financial analysis tools. I focus on delivering accurate, well-structured analysis tailored to the level of detail each project requires.

🏆TOP RATED PLUS🏆 $100+ Billion in deals over 20+ years. I started my career on Wall Street in Corporate, M&A, and Securities Laws. I now provide strategic legal counsel and business consulting tailored to high-stakes business initiatives as well as critical advice to startups and companies raising capital. 💬"Joe helped me buy back my company from my former partners and navigate difficult waters where soured friendships turned ugly. He was gracious and understanding, yet also highly astute, often saving me from myself. He was conscious of our budget and mindful of necessary next steps. He was time sensitive and readily available. He saved my business." 💬"I have consulted with Joe on several occasions myself and referred to him, and he has delivered above and beyond each time. He is extremely knowledgeable in his field, transparent, and very responsive. Highly recommend Raetzer PLLC!" 🔴CORE PRACTICE AREAS: Capital Raising: Structuring and preparing Private Placement Memorandums (PPMs), SAFE Notes, Convertible Notes, Promissory Notes, Bridge Notes, Warrants, Reg A, Reg CF, Reg D, and Reg S offerings. Business Consulting: Strategic review of current business, new business/product lines and market entrance. Business Transactions: Representing buyers and sellers in domestic and cross-border M&A. Startups and Growth-Stage Businesses: Formation, structuring, scaling, and preparing businesses for investment or acquisition. Exit Planning: Legal strategy and execution for business sales and investor exits. Strategic Advisory: Advising boards of directors, C-suite executives and founders on overall business strategy and business acquisition/disposition matters. 💬"Joe is incredibly knowledgeable and has been great to work with! He helped us initially with writing and reviewing our sales agreements and has become indispensable as we navigate a tricky situation with a finance merchant. Highly recommend" 💬"Outstanding legal expertise and absolutely great to work with. Highly recommend." 🔴LEGAL EXPERTISE: Structuring and negotiating complex M&A and capital markets transactions. Drafting core transactional documents: purchase agreements, subscription agreements, operating/shareholder agreements, and corporate governance materials. Advising on securities compliance, including Reg A, Reg D, and Reg S offerings, Blue Sky compliance, and SEC filings. Fund formation and structured finance: extensive experience with CDOs, CMBS/RMBS, and Investment Company Act issues. Partnering with senior management and boards to align legal strategies with business objectives. Collaborating with international counsel and multidisciplinary teams on multijurisdictional deals. 💬"Raetzer PLLC has been incredibly helpful for my business. Super honest, trustworthy and legitimate service! I will be hiring them again for my next acquisition deal." 💬"Professional service and extremely fast turn around. I enjoyed working with Joseph who drafted high quality contracts and I highly recommend him to anyone looking for a top notch service!" 🔴TRACK RECORD: Former Senior Associate Attorney at international Corporate M&A powerhouse Clifford Chance and top Corporate & Structured Finance law firm Thacher Proffitt & Wood both in Manhattan (New York City), where I represented investment banks, public and private companies, private equity sponsors, startups and hedge funds on strategic transactions. Closed and supported multi-billion-dollar deals across industries and jurisdictions. Delivered practical legal solutions to drive successful outcomes for clients ranging from startups to global financial institutions. I am licensed to practice law in New York and Texas. Corporate & Securities Attorney | Strategic Deal Advisor | M&A and Capital Raising Specialist 💬"Joseph Raetzer assisted me with drafting my asset purchase agreement. He provided excellent legal support for a fraction of the cost compared to a larger law firm." 💬"Joseph and the Raetzer PLLC team were exceptional — professional, responsive, and thorough from start to finish. They provided clear guidance, moved quickly, and made what could have been a complex process seamless. Highly recommend their firm for anyone seeking reliable and efficient legal support." 💬"Raetzer PLLC worked closely with us to successfully execute the lease for our new office on Wall Street, providing valuable counsel throughout the process. Joe is punctual, meticulous, and an exceptional attorney — highly professional and a pleasure to work with." 💬"Joe always kept my best interest at heart and helped me navigate a sensitive business contract. Highly recommended. Thanks again"

I help founders and small business owners tell their story compellingly and get it funded. Most consultants do one or the other. I do both — and the combination is what makes the difference between work that goes nowhere and a funded deal that moves your business forward. What I bring that most freelancers can't: I've been the banker. I was a C-suite banker and led one of the top SBA lending operations in my state, which means I know exactly how underwriters think, what kills a deal before it starts, and how to position your business for approval. I've also been the founder — three times — and led due diligence for one of the largest angel syndicates in the US. I currently led the GTM strategies for a $12B company. I know what investors and lenders want to see because I've been on both sides of the table. Today I run Parabolic, a capital and go-to-market advisory practice helping businesses access debt and equity capital and launch market dominating products through top-notch GTM strategies. What I deliver: Documentation - Lender-ready business plans built around how banks actually underwrite - Investor pitch decks that lead with what capital allocators care about - SBA loan packaging and deal structuring for 7(a) and 504 programs - Financial projections that hold up under scrutiny - Executive summaries and investor memorandums for equity raises - Go-to-Market audits and actionable playbooks Capital Advisory - SBA 7(a) and 504 deal origination and placement - Commercial loan brokering and lender matching - Equity raise strategy and investor positioning for growth-stage founders - Debt structuring and lender negotiation - I have a network of over 200+ investors and lenders GTM Advisory - Market sizing and segmentation (TAM/SAM/SOM analysis) - Ideal customer profile (ICP) definition and buyer persona development - Competitive landscape mapping and differentiation strategy - Product-market fit validation and messaging frameworks - Pricing and packaging strategy Who I work with: Small business owners who need SBA financing. Founders preparing for a debt or equity capital raise. Growth-stage businesses that need someone who has done this before, not someone figuring it out alongside them. Why clients come back: I work fast, I think at the executive level, and I don't pad engagements. You get the thinking you need, documentation that performs, and where relevant, the capital relationship that closes the deal. If you are looking to grow, need a funded business, and not just a finished document — let's talk.

Highly experienced Financial Analyst in Cash Flow and Partnership Modeling, Financial Software, Strong understanding of Commercial Real Estate Acquisition Analysis Check out my CRE Underwriting Package in my Project Catalog below.