Hire the Best Underwriters
in the United States

More than 3,000 reviews on G2
Rating is 4.5 out of 5.
4.5/5
of Upwork by G2 peer reviewers
Marco C.

El Paso, Texas

$55/hr
5.0
4 jobs

I am a Credit analyst with 3+ years of commercial banking experience analyzing $50M+ in loan portfolios across C&I, CRE, and SBA programs. Proven track record of risk assessment accuracy and revenue generation. Bilingual English/Spanish with strong technical and analytical capabilities. I have vast experience in finance and accounting.

  • Financial Analysis
  • Accounting
  • Bookkeeping
  • Cash Flow Modeling
  • Finance & Accounting
  • Analytical Presentation
  • Financial Accounting
Charles H.

Concord, California

$150/hr
5.0
27 jobs

Three decades of real estate execution — and $22B+ underwritten across 38K residential units, 1.4K keys and 13.5M commercial SF — have established strategy, underwriting, modeling and diligence as my core domain expertise. I bring institutional underwriting discipline and advanced Excel modeling — funds, portfolios, JV waterfalls, monthly DCFs, sensitivities — reinforced by a tech‑aware perspective shaped by early IT roles, GE Six Sigma work authoring Acquisition & Development Policies & Procedures, CRM workflow design for post‑GFC SFR platforms, and proptech collaboration on AI‑assisted underwriting, site planning and diligence tools. These capabilities help clients move from uncertainty to clear, defensible investment decisions. I work with emerging & first‑time operators, PE funds, investment managers, developers and proptech teams seeking real estate domain expertise when they need clarity, structure & scalable analytical support — especially under compressed timelines, limited resources or when evaluating new strategies and technology‑enabled processes. Select transactions are included in the Notable Projects PDF in the Portfolio section. 𝗘𝗡𝗚𝗔𝗚𝗘𝗠𝗘𝗡𝗧 𝗙𝗥𝗔𝗠𝗘𝗪𝗢𝗥𝗞 (𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 ➡ 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 & 𝗠𝗼𝗱𝗲𝗹𝗶𝗻𝗴 ➡ 𝗘𝘅𝗲𝗰𝘂𝘁𝗶𝗼𝗻) ✅ 𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗬 ▪︎ Investment strategy & thesis development ▪︎ Proof‑of‑concept & feasibility planning ▪︎ Portfolio strategy, platform design & fund‑scaling ▪︎ Scenario analysis & structured decision frameworks ▪︎ Tech‑forward / AI‑assisted workflow modernization ✅ 𝗔𝗡𝗔𝗟𝗬𝗦𝗜𝗦 & 𝗠𝗢𝗗𝗘𝗟𝗜𝗡𝗚 ▪︎ Institutional-grade underwriting & financial modeling informed by extensive mixed-use, land & public-private transactions ▪︎ Project‑level modeling: IRR/EM sensitivities, monthly DCFs, budgets, exit/refi timing, multi‑loan structures, JV/GP waterfalls ▪︎ Fund/portfolio modeling: pipeline simulation, deal-level engines, multi-class distributions, fund-level fee mechanics ▪︎ Advanced Excel (VBA, structured tables, conditional formatting) via proprietary templates or integrated into client systems ✅ 𝗘𝗫𝗘𝗖𝗨𝗧𝗜𝗢𝗡 ▪︎ End‑to‑end diligence execution ▪︎ Structured checklists & workflows ▪︎ IC‑ready memos, decks & investment packages ▪︎ Transaction support aligned with investor timelines & approval cycles ▪︎ Familiarity with AI‑assisted entitlement, site development & diligence automation tools 🧩 𝗔𝗦𝗦𝗘𝗧 𝗧𝗬𝗣𝗘𝗦 / 𝗨𝗦𝗘 𝗖𝗔𝗦𝗘𝗦 ▫️ Mixed-Use ▫️ Land Dev (Greenfield / Brownfield / PPP) ▫️ Homebuilding (Production / Modular / BTR) ▫️ Single-Family Rentals ▫️ Apartments (Core / Value-Add) ▫️ Condos ▫️ Commercial Campuses ▫️ Office ▫️ Industrial ▫️ Retail ▫️ Self-Storage ▫️ Hospitality ▫️ Portfolios / Funds 🌎 𝗥𝗘𝗚𝗜𝗢𝗡𝗔𝗟 𝗘𝗫𝗣𝗘𝗥𝗜𝗘𝗡𝗖𝗘 CA (SF Bay Area, Southern California), AZ, FL, GA, ID, IL, MO, NC, NE, NJ, NV, NY, OK, OR, PA, TN, TX, UT, VA, WA 📣 𝗜𝗳 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗶𝗻𝘀𝘁𝗶𝘁𝘂𝘁𝗶𝗼𝗻𝗮𝗹‑𝗴𝗿𝗮𝗱𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝘂𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴, 𝗺𝗼𝗱𝗲𝗹𝗶𝗻𝗴 𝗼𝗿 𝗱𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲 — 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗲𝗱 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗺𝗼𝗱𝗲𝗿𝗻, 𝘁𝗲𝗰𝗵‑𝗮𝘄𝗮𝗿𝗲 𝘄𝗼𝗿𝗸𝗳𝗹𝗼𝘄𝘀 𝗮𝗻𝗱 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻‑𝗿𝗲𝗮𝗱𝘆 𝗼𝘂𝘁𝗽𝘂𝘁𝘀 — 𝗜 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗺𝗼𝘃𝗲 𝗳𝗿𝗼𝗺 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 𝘁𝗼 𝗰𝗹𝗮𝗿𝗶𝘁𝘆 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻.

  • Underwriting
  • Financial Modeling
  • Real Estate Financial Modeling
  • Real Estate Investment Assistance
  • Real Estate Acquisition
  • Due Diligence
  • Financial Analysis & Valuation
  • Microsoft Excel
  • Feasibility Study
  • Pro Forma Statement
  • Capital Markets
  • Investment Strategy
  • Joint Venture
  • Real Estate
  • Finance
Wanda D.

Sioux Falls, South Dakota

$30/hr
5.0
6 jobs

Part sailing writer, part cultural anthropologist with an insatiable desire to connect people to ideas, places, and each other. Let me craft a compelling story for your brand that launches deep thought, curiosity, and connection. Provides: Creative Copy, Blog Services, Newsletter Writing, Website Copy, Memoir Writing, Ghostwriting, Cheerleader Sherpa for your writing project.

  • Content Writing
  • Writing
  • Creative Writing
  • Short Story Writing
  • Travel Writing
  • Blog Content
  • Blog Writing
  • Beta Testing
  • Product Testing
  • Survey
  • Data Collection
  • Game Testing
  • Voice Acting
  • Voice-Over
  • US English Dialect
  • Female Voice
  • Personal Computer
  • English Tutoring
Brian D.

Los Angeles, California

$150/hr
5.0
13 jobs

➡️ Former Director of Investments and institutional Real Estate Private Equity analyst with deep Capital Markets experience ➡️ $5+ Billion of US Real Estate underwritten across multifamily, retail, office, industrial, hospitality, self-storage, BTR, raw land (horizontal development), LIHTC + Section 8, motel-to-multifamily conversion, single-tenant NNN ➡️ 100+ Closed Transactions in Acquisitions, Equity and Debt investments ➡️ 250+ pitch decks, board memoranda, investor reporting packages delivered ➡️ Active US-based investor with my personal capital invested in $70M+ worth of multifamily, retail, office and hospitality assets 🎯 My Core Work I run Precision Real Estate Services, a boutique consulting practice. I focus on providing high-level strategic advisory with detailed financial analysis, underwriting, and asset management for commercial real estate owners, developers, and investors. 🛠️ Services I Provide • Acquisitions & Development Underwriting - Building detailed pro forma models for all major and most specialty real estate asset classes • Asset Management & Investor Reporting - I create dynamic analytics dashboards and institutional-quality reporting packages • Debt & Equity Structuring - Sourcing capital, sizing construction loans, and running capital stack / waterfall models • Partnership & Waterfall Modeling - Handling complex promote structures and partnership splits • Construction Budgeting & Cost Oversight - Reviewing horizontal/vertical budgets, and construction draw schedules. • Brokerage/Transaction Support - Institutional-level underwriting to help brokers and owners achieve optimal pricing. 👥 Who I Work With Family offices Private equity firms Developers Individual investors 🔎 Select Engagements 1️⃣ RAI Holdings - Holding company of a high-net-worth individual focusing on mixed-use real estate development o Conducted comprehensive land due diligence, including zoning and land use, easements and access, parcel splits & subdivisions, title review & encumbrances, environmental conditions, survey/boundary verification o Model development opportunities, including: multi-phase mixed-use projects, retail pad sales o Created bank-ready financing packages, including pro forma models, project summaries, and supporting analysis 2️⃣ Woodfield Development - A rapidly growing Class A multifamily and mixed-use development firm now building ~$1 billion annually across the eastern seaboard and Texas. Woodfield engaged Precision to update their internal development underwriting model to align with institutional investor expectations, including: o Project Timeline & Phasing: start dates, construction duration, lease-up, stabilization, exit, etc. o Sources & Uses: multi-tranche debt & equity, automated balancing checks o Construction Budget & Cost Management: by item S-Curve budget costs & financing draws, multiple capitalized interest reserve calculations o Multi-Tranche Debt & Equity Structures: preferred equity, loan sizing tests, IO vs. amortizing periods, financing structure toggles o Operating Projections: detailed lease-up schedules, OpEx reserve, annual growth rates by line o JV / Partnership Structures: multi-hurdle equity waterfall & promote optionality (pari-passu, catch-up & claw-back functionality, equity multiple hurdles) o Return Metrics & Sensitivity Analysis: IRR, EM, NPV, CoC, Yield-on-Cost o Reporting & Presentation Output: clear metrics & charts to readily export in PDF format 3️⃣ Enterprise Community Development, Inc. - the investment arm of Enterprise Community Partners, one of the nation’s largest nonprofit real estate finance organizations, with over $60 billion in affordable housing investments to date. o Delivered board memoranda with hold vs. sell recommendations on 785 units across 4 assets o Built 10-year forward operating forecast and evaluated multi-tranche debt structures (including bond agreements and interest rate swaps) o Partnered with counsel to assess bondholder redemption and recapitalization scenarios o Abstracted and synthesized Debt Agreements, LPAs, and Regulatory Agreements into clear, decision-ready analyses for leadership 🧑‍💼 About Me Brian has dedicated his entire career to mastering the real estate industry. With a diversified background touching everything from property and asset management to acquisition structuring and capital market negotiations, he understands how decisions in one vertical ripple into the strategy of another. Coupled with extensive analytical acumen, his holistic understanding of what affects the bottom-line allows him to assess a broad option space when making strategic decisions AND “do the math” that supports their execution. He is deeply curious and continuously looking for better ways to understand problems, and execute on solutions. With Precision Real Estate Services, his aim is to leverage the latest technologies and bring institutional-quality services to the broader real estate market.

  • Financial Analysis
  • Financial Modeling
  • Financial Projection
  • Real Estate Financial Modeling
  • Microsoft Excel
  • Forecasting
  • Pro Forma Statement
  • Business Plan
  • Python
  • Fundraising
  • Quantitative Analysis
  • Real Estate Financial Model
  • Real Estate Business Plan
Steve S.

Denver, Colorado

$65/hr
5.0
4 jobs

⭐⭐⭐⭐⭐ "Exactly what we needed for our investor presentation... saved us weeks of work." — Recent Denver Developer. I help Multifamily and Townhome GPs and Syndicators take messy property data and turn it into a lender-ready pitch deck in 24 to 48 hours. I don't just 'design slides'—I act as your Pre-Underwriter. I recently helped a GP re-underwrite a 36-unit acquisition, normalizing expenses to 35% to secure a 1.30 Day 1 DSCR for an 85% LTC bridge loan request. If your deal needs to be lender-ready in the next 48 hours, message me now

  • Real Estate Business Plan
  • Real Estate Financial Model
  • Real Estate Acquisition
  • Investment Portfolio Review
  • Due Diligence
  • Capital Markets
  • Feasibility Study
  • Pitch Deck
Grace M.

Chagrin Falls, Ohio

$65/hr
5.0
82 jobs

Previously Senior Valuations Consultant at a top commercial real estate valuations firm; I have expert-level experience with Argus Enterprise, Excel, financial modeling and projections, and real estate underwriting and valuations. I also have an intense passion for spreadsheets and automation, and am a Google Sheets expert.

  • Financial Modeling
  • Microsoft Excel
  • Valuation
  • Argus
  • Real Estate Appraisal
  • Real Estate Financial Modeling
  • Excel Formula
  • Financial Analysis & Valuation
  • Business
  • Expert

How it works

Post a job for free Post a job

Tell us what you need. Create your own job post or generate one with AI then filter talent matches.

Hire top talent fast

Consult, interview, and hire quickly, so you can meet the freelancers you're excited about.

Collaborate easily

Use Upwork to chat or video call, share files, and track project progress right from the app.

Payment simplified

Manage payments in one place with flexible billing options. Only pay for approved work, hourly or by milestone.

Don't just take our word for it

How do I hire a Underwriter in the United States on Upwork?

You can hire a Underwriter in the United States on Upwork in four simple steps:

  • Create a job post tailored to your Underwriter project scope. We'll walk you through the process step by step.
  • Browse top Underwriter talent on Upwork and invite them to your project.
  • Once the proposals start flowing in, create a shortlist of top Underwriter profiles and interview.
  • Hire the right Underwriter for your project from Upwork, the world's largest work marketplace.

At Upwork, we believe talent staffing should be easy.

How much does it cost to hire a Underwriter?

Rates charged by Underwriters on Upwork can vary with a number of factors including experience, location, and market conditions. See hourly rates for in-demand skills on Upwork.

Why hire a Underwriter in the United States on Upwork?

As the world's work marketplace, we connect highly-skilled freelance Underwriters and businesses and help them build trusted, long-term relationships so they can achieve more together. Let us help you build the dream Underwriter team you need to succeed.

Can I hire a Underwriter in the United States within 24 hours on Upwork?

Depending on availability and the quality of your job post, it's entirely possible to sign up for Upwork and receive Underwriter proposals within 24 hours of posting a job description.