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Real Estate Underwriter | Institutional Analysis | Acquisitions & Development I support investors, developers, and lenders at the go / no-go decision stage with institutional-grade underwriting, valuation, and capital structuring. With over 10 years of experience in commercial real estate underwriting and financial analysis, I focus on risk-adjusted decision-making, not just spreadsheet outputs. My work is designed to answer one question clearly: Does this deal hold up under stress? Based in Vancouver, Canada — available across North American time zones. I underwrite acquisition, value-add, and ground-up development transactions across multiple asset classes, including multifamily, retail, office, industrial, self-storage, hospitality, and mixed-use properties. I also support mortgage underwriting and credit analysis for lenders evaluating commercial real estate debt opportunities. Over 10 years | 28 projects | ~$523M total capitalization | 3,500+ transactions underwritten for institutional lenders including Barclays, JP Morgan, Citigroup, and Credit Suisse. ________________________________________ What I Do Best Institutional Underwriting & Valuation • Full deal underwriting with downside, sensitivity, and exit risk analysis • Valuation using income capitalization, reversion, and scenario-based assumptions • Identification of underwriting gaps, sponsor risk, and execution risks Acquisitions & Development Financial Modeling • Value-add and ground-up development models • Construction budgets, draw schedules, and lease-up modeling • Financing sensitivity across leverage, rate, and timing scenarios Debt, Refinance & Capital Strategy • LTV / DSCR-driven debt analysis • Refinance feasibility and recapitalization planning • Equity vs debt optimization under changing market conditions Investor & IC-Level Materials • Investment memos and IC summaries • Pitch decks and offering memorandums • Clear, defensible narratives for partners, lenders, and investors ________________________________________ How Clients Use Me • Second-opinion underwriting before submitting LOIs • Stress-testing broker or sponsor assumptions • Development feasibility reviews • Pre-refinance and exit timing analysis My clients value clarity, speed, and honesty. If a deal works, I’ll tell you why. If it doesn’t, I’ll show you where it breaks. ________________________________________ Typical Engagements • Deal underwriting & investment review • Acquisition or development model build/review • Debt structuring and refinance analysis • IC memo or investor presentation support Hourly and fixed-fee engagements are available, depending on the scope. If you’re looking for institutional-grade analysis with practical judgment, let’s connect.

8+ years living and breathing Argus and Excel, working for CBRE, and one of Canada's largest REITs. During this time, I gained extensive property valuation and financial analysis expertise by underwriting and analyzing hundreds of high-quality, investment-grade shopping centers and office buildings. Currently, I run a boutique consulting service specializing in financial modeling, helping my clients acquire, dispose of, and manage their real estate. My commitment to every assignment is to deliver a detailed and dynamic model tailored precisely to your needs. I respond to all inquiries within 24 hours and always strive to complete my work as quickly as possible while maintaining the highest quality. I'm here to assist you—please feel free to reach out!

I help lenders, mortgage brokers, financial advisors, real estate professionals, and business owners organize complex financial information, improve workflows, and prepare opportunities for execution. My background spans financial services, lending, operations management, process improvement, and systems development. I have experience analyzing financial information, reviewing borrower profiles, identifying documentation gaps, coordinating stakeholders, and managing opportunities from initial intake through execution. In addition to my work in lending, I have designed and implemented workflow systems that improve visibility, accountability, and decision-making across financial and operational environments. My work focuses on creating structure where complexity exists—whether that involves organizing financing files, preparing lender-ready packages, building CRM workflows, or improving business processes. Areas of expertise include: • Financial analysis and deal review • Mortgage and lending file preparation • Commercial financing package development • Client onboarding and documentation systems • CRM and pipeline management • Workflow design and process improvement • Data organization and reporting • Stakeholder coordination and communication • AI-assisted workflow optimization I am highly detail-oriented, process-driven, and comfortable working in fast-paced environments where accuracy and execution matter. My goal is simple: help clients save time, improve organization, and move opportunities forward more efficiently.

Real estate private equity professional. CFA charterholder, MBA in Finance (University of Toronto), and ex-RBC banker. Over the last decade, I've underwritten commercial and residential real estate across the US and Canada for 80+ developers, sponsors, syndicators, PE firms, and brokers — deal sizes from $2M to $500M+. Underwriting & investor materials: • Financial models — development, acquisition, value-add, refi (full debt schedules, sensitivities, LP/GP waterfalls) • Offering memorandums, investor pitch decks, PPM-support • Underwriting & due diligence — rent comps, sales comps, expense benchmarking • Asset management & investor reporting — dashboards, variance tracking, waterfall recalcs Strategy & advisory: • Deal evaluation & second-opinion underwriting — go/no-go on deals under LOI or in IC review • Acquisition strategy — market selection, asset positioning, multi-market ranking frameworks • Capital structure design — debt sizing, preferred equity, JV economics, LP/GP waterfalls • Hold-sell-refinance — exit timing, scenario analysis, disposition strategy • Sponsor-side advisory — thesis development, first-fund structuring, LP pitch positioning Recent engagements: • Capital stack structuring for a 51-unit Florida condo development to rebalance sponsor and LP economics • 165-unit, two-tower condo development in Ontario ($94M project; full investor OM and underwriting model) • Acquisition strategy advisory for a first-time multifamily sponsor — built a 10-market ranking framework • Multi-tenant NNN offering memorandum ($45M asset) Asset classes: multifamily, mixed-use, industrial, retail, hospitality, condo, SFR, office, purpose-built rental, land assembly. Primary platforms: Excel (advanced), Argus, CoStar, RealPage. Comfortable across other CRE-adjacent software. Whether you need a deal modeled, evaluated, or structured for investors — send the details and I'll come back with scope and timing.

I help real estate investors and developers make confident, data-driven decisions. With over 20 years of experience in real estate development, acquisitions, and financing, I specialize in underwriting income-producing properties, land development, and construction projects. I build clear, reliable financial models, accurately assess net operating income (NOI), and structure optimal debt and equity strategies to maximize returns. My cash flow projections are grounded in deep macroeconomic and market research, allowing me to incorporate realistic, well-supported assumptions into every model and investment strategy. As a licensed commercial mortgage broker in British Columbia, Canada, I also bring direct, real-world insight into how deals are actually financed—bridging the gap between analysis and execution. If you’re looking for someone who is efficient, solution-oriented, and easy to work with, I’m here to help you move your deal forward with clarity and confidence.

Proper use of the English language is the key to effective communication, and I apply this principle daily—even in my personal emails and texts. After completing my undergraduate degree in applied mathematics, I worked in the insurance industry for the next 15 years and discovered my knack for spotting errors in policy wordings. I have recently completed the Editing Certificate program at Simon Fraser University and am working toward becoming a Certified Proofreader and a Certified Copy Editor through Editors Canada. In October 2020, I started Curious Koi Proofreading and have been providing general proofreading and copy editing services to anyone who writes for an English audience. A well-written, properly punctuated document can significantly enhance your professional image. Don’t let embarrassing typos and misused words negatively impact your credibility. I will check your documents and other written content for double words, improper grammar, misused words, punctuation errors, incorrect spelling (including spelling inconsistencies), and typos. In addition to my freelance work through Curious Koi Proofreading, I work for Proofed Inc. In this role, I edit the course material and course templates for a client that creates executive education and other online courses on behalf of world-class universities. I also review other editors' work and provide feedback to the editors before the documents are returned to the client. Whatever the nature of your work, let me be your second set of eyes!