Mobile Sub2 + Revenue Enhancer Machine

Decision Summary

Deal Name

Use Model

Payment Spread (EGI vs PITI) —

Rent (EGI): —

PITI: —

Net: —

Sub2 Loan (Anchor) ▾

Monthly PITI (actual)

Current Loan Balance

Interest Rate (%)

Remaining Term (years)

Debt payment is the fixed spine. Everything must work around it.

As-Is Rent Model ▾

Monthly Rent (whole-house)

Vacancy (%)

Operating Expenses (% of EGI)

Rent Growth (%/yr)

As-Is NOI = (EGI × (1−expenses%)). EGI already reflects vacancy.

Enhanced (PadSplit / Rooms) ▾

Current Bedrooms

Current Bathrooms

Add Bedrooms

Add Bathrooms

Add Showers

Avg Rent per Room

Occupancy (%)

Mgmt Uplift (% of EGI)

Extra Utilities / Month

One-Time Buildout Cost

Buildout Months

(Optional) Notes

Enhanced NOI uses higher operating load (base expenses + mgmt uplift), occupancy, and extra utilities.

Exit Plan + Refi Check ▾

Exit Type

Exit Year

Cap Rate for Value (%)

Refi Rate at Exit (%)

Refi Amort (years)

Min DSCR for Refi

Max LTV for Refi (%)

Refi Costs (% of new loan)

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Use this later if you decide to add this deal into a portfolio tool.

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