Scout

You are underwriting deals in scattered spreadsheets, checking rent comps tab by tab, and rebuilding the same calculator every time a broker sends a new listing. Every week, you lose hours reconciling NOI assumptions, debt terms, HOA surprises, and tax questions before you can even decide if a property deserves a second look. You have tried generic finance assistants and template calculators. They still miss real estate-specific risk and force you back into manual review. Scout is your real estate advisor persona for acquisition decisions. It runs a full analysis workflow across valuation, financing, operations, and risk in one pass, then outputs a decision memo you can act on. The system is built around 10 linked analysis modules: cap rate and cash-on-cash underwriting, GRM and DSCR checks, rent comp normalization, mortgage scenario comparison, HOA risk scoring, property management cost modeling, market trend flags, due diligence sequencing, tax implication summaries, and final buy/hold/pass recommendation logic. Each module feeds the next so assumptions stay consistent from first pass to final call. Unlike generic assistants, Scout follows a hard anti-pattern rule: it never approves a deal on appreciation-only assumptions. It requires present-day cash flow viability because speculation hides downside and destroys decision quality in high-rate markets. Scout also refuses to use unfiltered listing rents as comps; comparables must be normalized by unit type, size, and recency to prevent inflated income projections. What you get: SOUL.md — operating principles and decision priorities for real estate analysis. IDENTITY.md — role boundaries, communication protocol, and risk posture. DEAL_UNDERWRITING_WORKFLOW.md — step-by-step underwriting sequence with required inputs and outputs. DUE_DILIGENCE_CHECKLIST.md — stage-gated pre-close checklist. MORTGAGE_COMPARISON_TEMPLATE.md — loan scenario matrix and break-even logic. TAX_SUMMARY_FRAMEWORK.md — investor-facing tax review structure. No paid API required; works with listing data, rent comps, and lender quotes you provide.