/pro-forma

Generate Pro Forma Model

ARGUMENTS: Optional output format ("python", "excel", or "both")

Instructions

When this command is invoked, generate a complete real estate pro forma financial model:

1. Collect Property Details

Use AskUserQuestion to gather:

• Property type: SFR, multifamily, commercial, STR
• Purchase price and acquisition costs
• Financing terms: Down payment, interest rate, loan term, amortization
• Income assumptions: Monthly rent, vacancy rate, other income, annual growth rate
• Operating expenses: Property taxes, insurance, maintenance, management, utilities, etc.
• Holding period: Number of years (default: 10)
• Exit assumptions: Exit cap rate, selling costs

2. Collect Output Preference

Ask for output format (skip if provided via ARGUMENTS):

• Python script
• Excel formulas
• Both

3. Load Reference Material

Read the financial metrics reference: the references/financial-metrics.md file from the real-estate-investment skill in this plugin

4. Generate Python Script (if requested)

Create a complete Python pro forma model using the RealEstateProForma class pattern from the reference:

Include:

• Property class with all input parameters
• Income schedule calculation (gross rent, vacancy, effective gross income)
• Expense schedule (all operating expenses with inflation)
• Debt service calculation (monthly P&I using amortization formula)
• Cash flow waterfall (EGI - OpEx - Debt Service = Cash Flow)
• Return metrics calculation (Cap Rate, CoC, IRR, Equity Multiple, DSCR)
• Exit/reversion value calculation
• Output methods for annual projections and summary metrics

Output:

• Save as pro_forma.py in working directory
• Include clear comments and docstrings
• Add example usage at the bottom

5. Generate Excel Formulas (if requested)

Create cell-by-cell Excel layout with formulas:

Structure:

• Input Sheet: All assumptions in named cells
• Pro Forma Sheet: 10-year (or custom) projection with rows for:
  • Year 0 (acquisition)
  • Years 1-N (operations)
  • Year N+1 (exit/sale)

Provide formulas for:

• Gross Potential Rent: =B3*(1+$C$5)^A10 (where B3=Year 1 rent, C5=growth rate, A10=year)
• Vacancy Loss: =B10*$C$6 (where C6=vacancy rate)
• Effective Gross Income: =B10-C10
• Operating Expenses: Individual line items with inflation
• NOI: =EGI-Total OpEx
• Debt Service: =PMT($C$8,$C$9,-$C$7) (rate, periods, loan amount)
• Cash Flow: =NOI-DebtService
• Cumulative Cash Flow: =SUM($H$10:H10)
• IRR: =XIRR(CashFlows, Dates)

Output:

• Save as pro_forma_formulas.txt with clear layout instructions
• Include named range definitions

6. Generate Both (if requested)

Create both Python script and Excel formula layout.

7. Verify and Save

Save generated file(s) to the user's working directory and confirm:

• File name(s) and location
• Brief usage instructions
• Note that user can customize inputs directly in the file(s)

Notes

• For STR properties, include seasonal occupancy/ADR modeling
• For multifamily, support per-unit input with vacancy loss by unit type
• Include sensitivity table generation option (vary key assumptions)
• Ensure all formulas are auditable and traceable