PROPERTY GATE
Calculate NOI, debt service, reserves, cash-on-cash return, and the stressed monthly result.
REAL-ESTATE PROFESSIONALS
Make the deal survive without appreciation or optimism.
Commission income, home equity, rentals, and local-market exposure can fail together. Underwrite the next property after full costs and stress, then test whether your records support the tax status you expect.
THIS PAGE DOES THE WORKproperty acquisition gate · tax-status evidence tracker
LIVE WORKBENCH
Enter the facts. Get the decision.
Your entries and latest result save on this device first and can sync only through an optional Cockpit account. Load the example if you want to see the engine work before using your numbers.
CAREER MONEY ENGINES
Choose the decision in front of you.
Each module uses different inputs and different math. Nothing here is a renamed checklist.
TAX-STATUS EVIDENCE
Test entered hours against the core real-estate-professional and material-participation thresholds.
WHAT CAN BREAK THE RESULT
Do not let a missing fact quietly become zero.
Gross rent is not cash flow
Vacancy, management, maintenance, capital replacement, taxes, insurance, HOA, utilities, and debt all count.
Closing cash can raid four reserves
Household, business, tax, and property reserves are not available down-payment money.
A job title does not create tax status
Hours, ownership, participation, grouping elections, and credible records of work and hours drive the evidence.
USE THE RESULT NOW
Open the next tool only to test a named assumption.
VERIFY BEFORE COMMITTING
The model is only as good as the contract, portal, or statement behind it.
This is underwriting and evidence tracking—not a tax-status determination or investment recommendation. Verify financing, local costs, legal requirements, and tax treatment with current records and qualified professionals.