It’s about mental models.I’ve made my share of mistakes managing small properties, and these models are what keep me alive as a landlord.1.

I’ve been involved in sober living homes for years and have found the model to be both stable and rewarding.

I've generally seen 1-4 and then 5+ so curious as to what was driving the 1-5 and how the model handles the different mortgage types in its evaluation?

There's plenty of free deal analysis tools, and some advanced digital tools at a low cost.AI becomes more helpful in this area drafting multiple scenarios to maximize profit, minimize risk, and suggest the best risk/reward strategies.Taking it to the next level, AI takes local and macro market trends to expand on the financial modeling.For multifamily & commercial, there's a lot more that AI can do to model predictions and performance that investors would pay a premium for.

All models are wrong, but some are useful.

Quote from @Gabe Goudreau: Hello everyone,I work in real estate development by day and also build financial models for investors in my spare time.

I prefer the IMB model infinitely more. 

FICO 2, 4, 5 are the models most often used by mortgage lenders, including DSCR loans.

That’s a solid move — taking a property most would overlook and turning it into both a profitable and purpose-driven asset.We’ve been doing something similar through our Home Asset Conversion model, helping property owners reposition underperforming real estate into veteran and senior shared housing — with long-term leases, stable cash flow, and huge community impact.Sober living, senior living, and veteran housing all share that sweet spot: high demand, low supply, and mission-based investing that still hits strong numbers.Curious — did you self-fund the rehab or structure it with a partner/investor model?

As an example host net FROM airbnb goes down in the new model.