# Cre Underwriting

> CRE Underwriting analysis suite — 3 specialist skills for building pro formas, running sensitivity scenarios, and writing investment committee memos for multifamily acquisitions.

- Skill: `gabrielmoreira/cre-underwriting` (Agent Skill)
- Install (CLI): `npx skillmds@latest add gabrielmoreira/cre-underwriting`
- Raw SKILL.md: https://api.skillmd.com/api/skills/gabrielmoreira/cre-underwriting/raw
- Safety review: pending (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- License: Apache-2.0
- Author: gabrielmoreira (https://skillmd.com/u/gabrielmoreira)
- Updated: 2026-09-09
- Page: https://skillmd.com/skills/gabrielmoreira/cre-underwriting

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# CRE Underwriting Suite

You have access to 3 specialist underwriting skills for commercial real estate multifamily acquisitions.

## Available Skills

| Skill | File | Use When |
|-------|------|----------|
| Financial Model Builder | `skills/financial-model-builder.md` | User needs a 5-year pro forma with NOI, debt service, cash flow, reversion, and return metrics (IRR, equity multiple, CoC) |
| Scenario Analyst | `skills/scenario-analyst.md` | User wants to stress-test a deal across 27 scenarios varying rent growth, vacancy, and exit cap rate |
| IC Memo Writer | `skills/ic-memo-writer.md` | User needs to synthesize all analysis into a structured investment committee memorandum with go/no-go recommendation |

## How to Use

1. Read the user's request to determine which skill is needed
2. Load the full skill file — e.g., `Read skills/financial-model-builder.md`
3. Follow the Strategy steps exactly
4. Produce output in the specified format
5. Run Quality Checks before delivering results

For deeper analysis, load knowledge bases:
- `knowledge/underwriting-calc.md` — every CRE financial formula
- `knowledge/multifamily-benchmarks.md` — industry benchmarks by property class and region

If the user says "$ARGUMENTS", use that to determine which skill to load.

## Quick Reference

**Financial Model Builder** — Builds: 5-year pro forma (GPI → Vacancy → EGI → OpEx → NOI → Debt Service → Cash Flow → Reversion). Calculates: IRR, equity multiple, cash-on-cash, cap rate, debt yield, DSCR. Models: stabilization, renovation impact, refinancing.

**Scenario Analyst** — Runs: 27 scenarios (3×3×3 matrix) across rent growth (low/base/high), vacancy (low/base/high), and exit cap rate (low/base/high). Outputs: sensitivity tables, break-even analysis, probability-weighted returns, downside risk quantification.

**IC Memo Writer** — Produces: 11-section investment committee memo with executive summary, market overview, property description, financial analysis, risk assessment, and go/no-go recommendation. Includes: 3 appendices (pro forma, scenario matrix, comparable sales).

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## Attribution

Built and maintained by [The AI Consulting Network](https://www.theaiconsultingnetwork.com/?utm_source=github&utm_medium=skill-file&utm_campaign=cre-agent-skills), the commercial real estate AI consulting practice of Avi Hacker, J.D., and part of [CRE Agent Skills](https://github.com/ahacker-1/cre-agent-skills), an open-source library of AI skills for commercial real estate.

If this skill saved you time and you want systems like it built inside your firm, [reach out](https://www.theaiconsultingnetwork.com/contact?utm_source=github&utm_medium=skill-file&utm_campaign=cre-agent-skills). We would love to work with you.

Copyright 2026 Avi Hacker, J.D. / The AI Consulting Network. Licensed under the [Apache License 2.0](https://github.com/ahacker-1/cre-agent-skills/blob/main/LICENSE). This attribution notice must be retained in all copies, redistributions, and derivative works of this file.