Deal Napkin

Price, NOI, debt terms in. A lender-grade verdict out. Sixty seconds, in the parking lot, before your coffee goes cold. DealNapkin is the back-of-napkin deal screen for commercial real estate — rebuilt the way a bank actually underwrites. Not another cap-rate widget: it sizes the loan the way a lender does, and tells you the truth about whether the deal pencils. THE MATH IS HONEST • Loan sizing the lender's way: the minimum of LTV, stressed-rate DSCR, and debt-yield constraints — with the binding constraint shown • DSCR always computed on the amortizing payment, so interest-only periods can't flatter coverage • Underwritten NOI with vacancy and reserve haircuts, closing costs in your equity basis • Debt yield, negative-leverage flag, cash-on-cash, IRR, equity multiple, breakeven metrics • "Pencils at $X" — a goal-seek that turns every verdict into your offer number STRESS IT BEFORE YOU SIGN IT • Bear / Base / Bull scenarios with an auto-derived recession case • IRR sensitivity grid across exit caps and interest rates • Verdicts judged against versioned, class-specific benchmarks — multifamily, retail (NNN and strip), office, industrial, self-storage, hospitality, MHP/RV, medical office, and more BUILT FOR BROKERS • A clean one-pager PDF you can text or email from the showing: property identity, price per unit/SF, GRM, verdict stamp, scenario table, sensitivity grid • Buy-side and listing-side modes — the same math, framed for your side of the table • NOI source badge (seller pro-forma vs T-12 actuals), plus a plain-English disclaimer on every page PRIVATE BY DESIGN All math runs on your iPhone. No account, no cloud, no data leaves your device. The engine is deterministic and unit-tested — no AI deciding your verdict. FREE FOREVER: full math, every asset class, all scenarios, watermarked one-pagers, 3 saved deals. DEALNAPKIN PRO ($29.99 founders price, one-time): your name, license, and contact on every one-pager, unlimited saved deals, and listing-side mode. Buy once, keep it forever. DealNapkin is a screening tool, not underwriting, an appraisal, or investment advice. Verify all figures independently before transacting.