R RVP Underwriter

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Guides for underwriting and buying income property

A growing library of practical, self-contained guides for investors buying RV parks, mobile home parks, and commercial real estate. Each one stands on its own, read the one you need. New guides are added over time.

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Getting started Getting ready for your first deal The preparation most buyers skip: asset class, buy box, deal flow, and capital, before you open a single listing. The numbers The 4 numbers every deal comes down to NOI, cap rate, DSCR, and cash-on-cash: the four metrics every deal is written in, and how they connect. Due diligence Requesting the right financials The offering memorandum is marketing. Learn the source documents to ask for, and why monthly occupancy beats annual. Analysis Rebuilding the seller's NOI Never trust the seller's NOI. Rebuild it: management fee, capital reserve, reassessed taxes, and honest occupancy. Risk Red flags and risks to price in The warning signs hiding in the financials, and the structural risks (balloons, insurance, cap rates) to price before you commit. Risk Stress testing a deal Try to break the deal on purpose: lower occupancy, higher rates, higher expenses, then all three at once. The offer Making the offer with an LOI LOI before PSA, the two terms most buyers leave on the table, and how to restructure when the price will not move. Due diligence Due diligence and the PSA Due diligence is leverage, not a formality. The three things to verify independently, and the team to build first. Operations Adding value after you close Closing is the starting line. The operational levers that raise NOI from day one, plus the tax advantages that compound on top. Scaling Scaling from one deal to a portfolio Your first deal is the starting line. Stabilize, pull equity out, and run the same process again. That is how wealth compounds.

From a single question to the whole deal

Buying an income property well comes down to a handful of skills: knowing the metrics, getting the real financials, rebuilding the NOI yourself, pricing the risk, stressing the deal, structuring the offer, and adding value once you own it. Each guide here takes one of those and makes it concrete. When you are ready to put them together on a real deal, the underwriter does all of it at once from your documents.