Purchase Analysis

Purchase Analysis

Our property purchase analysis involves evaluating the financial viability of a real estate opportunity.  This can be for a primary residence, rental property, or commercial building.  Our process includes conducting a thorough assessment of various factors such as market conditions, property value, cash flow projections, financing options, liquidity, interest, tax implications and potential risks.  Our goal is to formulate and organize observations to help you make informed decisions about whether and how to purchase a particular property and to determine its long-term potential as part of your asset mix and wealth strategy.

Our property purchase analysis involves evaluating the financial viability of a real estate opportunity.  This can be for a primary residence, rental property, or commercial building. 

Our process includes conducting a thorough assessment of various factors such as market conditions, property value, cash flow projections, financing options, liquidity, interest, tax implications and potential risks. 

Our goal is to formulate and organize observations to help you make informed decisions about whether and how to purchase a particular property and to determine its long-term potential as part of your asset mix and wealth strategy.

Understanding Your Goals

We work with you to understand your needs, and the goals you have for your real estate purchase.  This includes the intended use of the property, time horizon, expected holding period and the budget for the purchase and assets available for use.  

Due Diligence & Coordination

Our wealth management firm can assist you in conducting due diligence on the property by coordinating with other professionals such as realtors, property inspectors, loan officers, appraisers, and attorneys.  This ensures that all necessary inspections, documentation, and legal processes are completed diligently.  By overseeing the due diligence process, our firm helps ensure you have the information to help you make informed decisions based on accurate and reliable information.

Property Valuation

Working with your professional advisors, we can assist you in determining the fair market value of the property.  This involves conducting a thorough analysis of historical sales and rental data, relevant comparables, evaluating the property’s physical condition, and considering any unique characteristics or potential for improvement.  Once we have a realistic estimate of the property’s current value, if appropriate, we can also run valuation scenarios based on various appreciation and income expectations and present you with those observations.

Cash Flow Projections

If the intended property is being purchased for current or future rental potential, we can perform a more detailed assessment of the estimated cash flow that the property could generate.  This involves analyzing rents, operating expenses, property management costs, and financing terms.  Our team assists you in developing cash flow projections, factoring in variables such as vacancy rates, potential rent increases, and maintenance expenses.  Cash flow and valuation expectations can be added to the other assets you own to develop a more complete view of your larger portfolio.

Financial Analysis

We perform a detailed financial analysis of your potential property, including an assessment of the property’s total cost over time, expected rate of return (ROR), return on investment (ROI), and tax implications.  We also consider the impact of various financing options, such down payment requirements, term and type of loan, source of funds and degree of leverage.  We pay close attention to how these scenarios are forecasted to impact your liquidity, wealth, and financial planning to make sure that you are making a sound decision.

Investment Diversification

Our firm provides you with observations on how real estate assets could fit into your overall wealth and diversification strategy.  By considering your existing investments, risk tolerance, and financial goals, our team helps determine the appropriate allocation to real estate within your portfolio.  Our firm provides guidance on diversifying investments across different property types, locations, and market segments, aiming to reduce risk and enhance your potential returns.

Financing Options & Analysis

Our firm assists you in evaluating various available financing options.  This includes analyzing mortgage rates, mortgage types, loan terms, down payment requirements, and potential tax implications.  We help you understand the options that align with your financial situation and objectives.  By comparing different financing scenarios, our firm enables you to assess the impact on your overall investment returns, liquidity, cash flow and wealth.

Presentation of Findings

Based on our analysis, we will present you with our findings, along with our recommendations for how to move forward.  This may include a detailed financial plan, a breakdown of potential risks and rewards, outcomes of projected scenarios, guidance on financing options, and introductions to trusted professionals that can assist in the evaluation and purchase process.

Understanding Your Goals

We work with you to understand your needs, and the goals you have for your real estate purchase.  This includes the intended use of the property, time horizon, expected holding period and the budget for the purchase and assets available for use.  

Due Diligence & Coordination

Our wealth management firm can assist you in conducting due diligence on the property by coordinating with other professionals such as realtors, property inspectors, loan officers, appraisers, and attorneys.  This ensures that all necessary inspections, documentation, and legal processes are completed diligently.  By overseeing the due diligence process, our firm helps ensure you have the information to help you make informed decisions based on accurate and reliable information.

Property Valuation

Working with your professional advisors, we can assist you in determining the fair market value of the property.  This involves conducting a thorough analysis of historical sales and rental data, relevant comparables, evaluating the property’s physical condition, and considering any unique characteristics or potential for improvement.  Once we have a realistic estimate of the property’s current value, if appropriate, we can also run valuation scenarios based on various appreciation and income expectations and present you with those observations.

Cash Flow Projections

If the intended property is being purchased for current or future rental potential, we can perform a more detailed assessment of the estimated cash flow that the property could generate.  This involves analyzing rents, operating expenses, property management costs, and financing terms.  Our team assists you in developing cash flow projections, factoring in variables such as vacancy rates, potential rent increases, and maintenance expenses.  Cash flow and valuation expectations can be added to the other assets you own to develop a more complete view of your larger portfolio.

Financial Analysis

We perform a detailed financial analysis of your potential property, including an assessment of the property’s total cost over time, expected rate of return (ROR), return on investment (ROI), and tax implications.  We also consider the impact of various financing options, such down payment requirements, term and type of loan, source of funds and degree of leverage.  We pay close attention to how these scenarios are forecasted to impact your liquidity, wealth, and financial planning to make sure that you are making a sound decision.

Investment Diversification

Our firm provides you with observations on how real estate assets could fit into your overall wealth and diversification strategy.  By considering your existing investments, risk tolerance, and financial goals, our team helps determine the appropriate allocation to real estate within your portfolio.  Our firm provides guidance on diversifying investments across different property types, locations, and market segments, aiming to reduce risk and enhance your potential returns.

Financing Options & Analysis

Our firm assists you in evaluating various available financing options.  This includes analyzing mortgage rates, mortgage types, loan terms, down payment requirements, and potential tax implications.  We help you understand the options that align with your financial situation and objectives.  By comparing different financing scenarios, our firm enables you to assess the impact on your overall investment returns, liquidity, cash flow and wealth.

Presentation of Findings

Based on our analysis, we will present you with our findings, along with our recommendations for how to move forward.  This may include a detailed financial plan, a breakdown of potential risks and rewards, outcomes of projected scenarios, guidance on financing options, and introductions to trusted professionals that can assist in the evaluation and purchase process.

By providing comprehensive real estate purchase analysis, our wealth management firm helps you evaluate potential opportunities, minimize risks, and make informed decisions.  Through detailed market and property analysis, financial modeling, tax analysis and risk assessment, we empower you to make sound decisions that align with your financial goals and contribute to your wealth-building strategies. 

By providing comprehensive real estate purchase analysis, our wealth management firm helps you evaluate potential opportunities, minimize risks, and make informed decisions.  Through detailed market and property analysis, financial modeling, tax analysis and risk assessment, we empower you to make sound decisions that align with your financial goals and contribute to your wealth-building strategies. 

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Our calls are always relaxed and pressure-free.

Core Purchase Analysis Services

Budget Review & Planning

Cash Flow Adequacy Review

Mortgage Term Comparison Analysis

Fixed vs Adjustable Rate Comparison

Refinance Option Review

Property Buy VS Rent Comparison

Reverse Mortgage Analysis

Intra-Family Loan Planning

Insurance Needs Review

Liquidity Analysis

Home Mortgage Interest Deduction Mapping

Historic Property Appreciation Review

Property Comparison Review

Professional Coordination

Core Purchase Analysis Services

Budget Review & Planning

Cash Flow Adequacy Review

Mortgage Term Comparison Analysis

Fixed vs Adjustable Rate Comparison

Refinance Option Review

Property Buy VS Rent Comparison

Reverse Mortgage Analysis

Intra-Family Loan Planning

Insurance Needs Review

Liquidity Analysis

Home Mortgage Interest Deduction Mapping

Historic Property Appreciation Review

Property Comparison Review

Professional Coordination

What Property to Buy or How to Buy It

Our calls are always relaxed and pressure-free.