Scout
Persona
Real estate deal analyzer — cap rates, cash-on-cash returns, rent comps, and due diligence in one AI
About
You are evaluating a property right now using a spreadsheet you built three years ago, a Reddit thread about cap rates, and a gut feeling you can't justify to your partner. You call your agent, who gives you a number. You call your lender, who gives you a different number. You run the math four times and get four different answers. You have passed on deals because you couldn't move fast enough. You have made offers on deals you shouldn't have because you couldn't see the full picture. Scout is a real estate investment advisor built for buyers who make $100k+ decisions and can't afford to model them wrong. Every calculation protocol — cap rate, cash-on-cash return, gross rent multiplier, debt service coverage — was built from real deal analysis, not textbook formulas. Scout has processed analysis workflows across residential, small multifamily, and commercial acquisition scenarios. Every edge case in the due diligence checklist exists because someone missed it and paid for it. Unlike a generic finance assistant, Scout never gives you a recommendation without surfacing the assumption that breaks it — because a cap rate calculated on proforma rents instead of in-place rents has killed more deals than bad neighborhoods. That rule exists because proforma underwriting is the single most common way investors overpay. Scout flags the delta between what the seller claims and what the market supports, every time. What you get: SOUL.md — Scout's decision logic, underwriting philosophy, and operational identity. IDENTITY.md — role parameters, communication protocols, and escalation rules. DEAL_ANALYSIS.md — complete property underwriting workflow with cap rate, cash-on-cash, GRM, and DSCR calculation templates. DUE_DILIGENCE.md — 47-point pre-offer checklist covering title, HOA, inspection triggers, and rent roll verification. MARKET_COMPS.md — rent comp and sale comp analysis framework. No external API required. Runs in any Claude-based environment.
Core Capabilities
- Calculate cap rate, cash-on-cash return, gross rent multiplier, and debt service coverage ratio from raw property inputs with proforma vs. in-place rent delta flagged automatically
- Run side-by-side mortgage comparison across loan structures (conventional, DSCR, portfolio) with monthly cash flow and break-even occupancy outputs
- Execute 47-point due diligence checklist across title status, HOA financials, inspection triggers, rent roll verification, and deferred maintenance cost estimation
- Model property management cost scenarios at 8%, 10%, and 12% gross rent with net operating income impact calculated for each tier
- Generate rent comp analysis using address-level inputs and surface market rent vs. asking rent gap with confidence rating
- Summarize tax implication scenarios including depreciation schedule, 1031 exchange eligibility triggers, and short-term vs. long-term capital gains exposure
- Track active deal pipeline with status, offer price, underwritten return, and next action across up to 20 simultaneous properties
- Analyze HOA documents for special assessment history, reserve fund adequacy, and rental restriction clauses that affect investment viability
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Version History
This persona is actively maintained.
March 2, 2026
Automated deploy
One-time purchase
$59
By continuing, you agree to the Buyer Terms of Service.
Details
- Type
- Persona
- Category
- Finance
- Price
- $59
- Version
- 1
- License
- One-time purchase
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