LUCENT KISS Report · Confidential
Investor KISS Report
Underwrite every deal with transparent assumptions, real formulas and honest uncertainty.
315 Orchard Ave, Long Beach, CA (fictional fourplex)Generated Illustrative Sample Data
01
Executive summary
NOI / yr
$107,920
Cap rate (on price)
8.99%
Cash flow / yr
$36,067
Cash-on-cash
10.19%
02
Property overview
Modeled value range · medium confidence
$1,210,000
$1,150,000$1,270,000
How was this calculated?
Midpoint of four sample comparable sales adjusted for size and condition. Market intelligence, not a licensed appraisal. Live valuations need a licensed valuation provider, which is not connected yet.- Type
- Multifamily (4 units)
- Year built
- 1964
- Living area
- 3,600 sf
- Beds / baths
- 8 / 4
- Lot
- 6,000 sf
- Parcel
- SAMPLE-0315
- Property tax / yr
- $14,600
- Transaction
- Asking $1.2M
03
Market intelligence
Median sale price (90 days)
$1.19M (4-unit)
Median days on market
45
Active competing listings
6
Listings with price reductions
2 of 6
AddressSoldPrice$ / sfNote
Sample Comp A (fictional)0.3 miAug 2026$1,173,700$343Similar condition
Sample Comp B (fictional)0.5 miJul 2026$1,258,400$330Renovated kitchen
Sample Comp C (fictional)0.8 miJun 2026$1,125,300$319No pool, busier street
Sample Comp D (fictional)0.6 miMay 2026$1,222,100$339Comparable lot
04
Financials and assumptions
- Gross scheduled rent / yr
- $153,600
- Effective gross income
- $145,920
- Annual debt service
- $71,853
- DSCR
- 1.50
- GRM
- 7.81
- LTV
- 75.00%
- Break-even occupancy
- 71.52%
- Operating expense ratio
- 26.04%
- Total cash invested
- $354,000
- Flip scenario net profit
- -$94,235
- Flip ROI on cost
- -6.47%
Inputs: price 1200000 · downPct 25 · ratePct 7 · years 30 · rentMo 12800 · vacancyPct 5 · opexYr 38000 · closingCosts 24000 · rehab 30000 · arv 1450000 · flipRehab 160000 · holdingMo 8 (user-provided or sample defaults).
05
Scenario comparison
Conservative
$1,150,000
Base
$1,210,000
Optimistic
$1,270,000
06
Insights, opportunities and risks
At 25% down and 7% interest, debt service uses about two-thirds of NOI (DSCR 1.50). Test different leverage to see the effect on cash-on-cash return.
Why flaggedDSCR from the Deal Analyzer under default inputs. · Sample data, updated Oct 2026.
- Thin DSCR leaves little room for vacancy or rate changes.
- Rent assumptions are illustrative, not a licensed rent estimate.
07
Recommended next steps
- Stress-test vacancy at 10%
- Obtain a rent survey for the four units
- Compare leverage at 25% vs. 35% down
08
Sources and methodology
- Modeled estimates: LUCENT calculators (standard amortization, NOI, cap rate on purchase price, cash-on-cash on total cash invested).
- User-provided: mortgage, fees, rent and cost assumptions.
- Sample data: property facts and comparables in this report are fictional.
- Live records: Regrid parcels and U.S. Census/USGS/FEMA power live reports at /analyze.
Market intelligence, not a licensed appraisal, legal, lending or investment advice. No outcome is guaranteed.
Ask Ava anything about this property.
Type or tap the microphone in her panel to speak. She uses your current assumptions.