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Underwriting research

Skill Fusion-Data-Company/bristol-os/plugins/bristol-os/skills/underwriting-research

One-paste Claude setup that turns Claude into an institutional multifamily research & underwriting teammate for Bristol Development Group — zero-config, fully cited, self-evolving (V1→V2→V3).

Install
npx -y skills add Fusion-Data-Company/bristol-os --skill underwriting-research

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Research the real-world assumptions behind a multifamily underwriting model — achievable rents, operating expenses, taxes, insurance, construction/hard costs, and available incentives. Use when the user says "check my assumptions," "what should I underwrite for," "research expenses/taxes/insurance/construction costs," or is building/sanity-checking a pro forma. Researches inputs; does not give investment advice.

SKILL.md

2.9 KB, as published. Nobody here has run it

Underwriting Research

Bristol builds its own financial models. This play researches and pressure-tests the assumptions that feed the model so they're grounded in market reality and sourced.

When to use

"What rents can we underwrite?", "research property taxes/insurance in [market]," "what are construction costs running?", "are these expense assumptions reasonable?", "any incentives available here?"

Assumption areas (research + cite each)

  1. Revenue — achievable market rents by unit type (pull from market-comp-analysis), realistic stabilized occupancy, loss-to-lease/concessions, other income (parking, pet, fees).
  2. Operating expenses — submarket OpEx benchmarks per unit; payroll, R&M, marketing, management fee, utilities, G&A.
  3. Property taxes — local rate/assessment methodology; how new construction is assessed; reassessment risk at stabilization. (Often a major swing factor — research carefully.)
  4. Insurance — current multifamily insurance cost trend in the market (rising fast in many regions; flag it).
  5. Construction / hard costs — current $/SF or $/unit ranges for the product type and region; cost trend; long-lead items.
  6. Soft costs & timing — typical soft-cost load, entitlement/permitting timeline, construction duration, lease-up pace.
  7. Capital markets context — prevailing construction debt terms and market exit cap rates for the product/market (for the yield-on-cost spread).
  8. Incentives — TIF, PILOT, tax abatement, opportunity zones, grants, or programs available at the site; eligibility and rough value.

Method

  • For each assumption: give a researched range (low / base / high) with sources and dates, not a single guess.
  • Compare to any numbers the user already has in their model; flag where their assumption looks aggressive or conservative versus the market, and why.
  • Call out the 2–3 assumptions the deal is most sensitive to.

Output

  • An assumptions memo saved to the deal folder: each input, the researched range, the source, and a flag (supports / stretch / risk).
  • A short "watch these" list of the highest-sensitivity inputs.

Guardrails

  • Research and ranges only — Bristol's analysts and principals make the calls. Don't present a recommendation to invest; present the facts to decide.
  • Every number sourced + dated; label estimates; note when data is thin.
  • Flag legal/tax/securities questions for the right professional.

Keep looking

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