Investment review
1602 Shell Rd
Chesapeake, VA 23323 · 10652535
Deterministic analysisSUCCEEDEDCanonical property connected
Identity and physical facts
Property and listing
- Bedrooms
- 3CANONICAL_FACT
- Bathrooms
- 2.5CANONICAL_FACT
- Square feet
- 1,544CANONICAL_FACT
- Year built
- 2006CANONICAL_FACT
- Property type
- Single Family ResidenceCANONICAL_FACT
- Lot size
- Not capturedPending enrichment
- MLS
- 10652535DETERMINISTIC
Low, high, and recommended monthly rent
Rental estimate
- Low rent
- $2,000Rental market review
- High rent
- $2,695Rental market review
- Recommended rent
- $2,495Rental market review
- Confidence
- 65.00%Rental market review
- Source-site rent estimate
- $2,371zillow
Financial decision flow
Follow the money from purchase to return
Start with the cash needed upfront, then review monthly costs, and finish with the resulting investment returns.
Step 1 · Cash needed upfront
One-time capital needed
Purchase cash, initial reserves, and the related loan terms
- Down payment
- $55,00020.00% of asking price
- Rehabilitation budget
- $27,500APPROVED_ASSUMPTION
- Closing costs
- $8,250APPROVED_ASSUMPTION
- Purchase cash before reserves
- $90,750Down payment + rehabilitation + closing costs
- Initial property reserve
- $10,000APPROVED_ASSUMPTION
- Initial business reserve
- $15,000APPROVED_ASSUMPTION
- Total capital needed
- $115,750Purchase cash + property reserve + business reserve
- Loan amount
- $220,000Purchase price - down payment
- Interest rate
- 7.00%APPROVED_ASSUMPTION
- Loan term
- 360 monthsAPPROVED_ASSUMPTION
Step 2 · Costs each month
Monthly costs
Every recurring cost used to calculate monthly cash flow
- Principal and interest
- $1,464Calculated result
- Property taxes
- $259Calculated result
- Insurance
- $115Calculated result
- HOA
- $0CANONICAL_FACT
- Property management
- $25010.00% of recommended rent
- Maintenance reserve
- $1255.00% of recommended rent
- Vacancy reserve
- $1255.00% of recommended rent
- Operating costs
- $872Taxes + insurance + HOA + management + maintenance + vacancy
- Total monthly costs
- $2,336Principal and interest + operating costs
Step 3 · Return after costs
Investment returns
Cash flow, income, coverage, and return measures
- Monthly cash flow
- $159Recommended rent - total monthly costs
- Annual cash flow
- $1,910Monthly cash flow × 12
- Annual property income before mortgage (NOI)Shows what the property earns before mortgage payments. It is used to calculate the capitalization rate and compare properties without financing differences.
- $19,474Annual rent - annual operating costs
- Rent-to-price
- 0.91%Calculated result
- Cash-on-cash return
- 1.65%Calculated result
- Capitalization rate
- 7.08%Calculated result
- Debt-service coverage
- 1.11×Calculated result
Decision support
Quality, risk, and neighborhood context
The qualitative fields preserve owner and worker judgment separately from deterministic financial calculations.
Scored 1 through 5
Qualitative review
- Rehabilitation risk
- 3 / 5APPROVED_ASSUMPTION
- Tenant quality
- 3 / 5APPROVED_ASSUMPTION
- Appreciation potential
- 3 / 5APPROVED_ASSUMPTION
- Neighborhood stability
- 3 / 5APPROVED_ASSUMPTION
- HOA impact
- 5 / 5APPROVED_ASSUMPTION
- Long-term hold quality
- 3 / 5APPROVED_ASSUMPTION
Explicit review
Risk flags
- Structural issues
- NoAPPROVED_ASSUMPTION
- Foundation issues
- NoAPPROVED_ASSUMPTION
- Major mold
- NoAPPROVED_ASSUMPTION
- Full electrical replacement
- NoAPPROVED_ASSUMPTION
- Full plumbing replacement
- NoAPPROVED_ASSUMPTION
- HOA rental restrictions
- NoAPPROVED_ASSUMPTION
- Unclear title or ownership
- NoAPPROVED_ASSUMPTION
- Depends on appreciation
- NoAPPROVED_ASSUMPTION
OneHome and public records
Location context
- School district
- Not capturedPending enrichment
- Elementary school
- Not capturedPending enrichment
- Middle school
- Not capturedPending enrichment
- High school
- Not capturedPending enrichment
- Walk score
- Not capturedPending enrichment
- Bike score
- Not capturedPending enrichment
- Transit score
- Not capturedPending enrichment
- Flood zone
- Not capturedPending enrichment
- Zoning
- Not capturedPending enrichment
- Parking
- Not capturedPending enrichment
- Water
- City/Countyzillow
- Sewer
- City/Countyzillow
Deterministic rules
Policy findings
Hard failures
- No hard failure has been recorded.
Review flags
- High Family CapitalHigh family capital review required: family capital required exceeds $100,000. Confirm capital availability, opportunity cost, reserve protection, and portfolio-level justification before offer submission.
- High RehabHigh rehab review required: estimated rehab exceeds $25,000. Confirm scope, contractor pricing, contingency, timeline, reserve impact, and execution risk before offer submission.
Weighted model
Investment score
Lineage and audit
Evidence, assumptions, and history
These records explain where the investment values came from and preserve earlier analysis runs.
Property evidence
Connected sources
RedfinCURRENT
No provider ID
Open source ↗Verified 2026-10-06T02:19:37.561296+00:00OneHome MLS PortalCURRENT
ID 1190022775
Open source ↗Verified 2026-09-18T02:38:03.000000+00:00City of Chesapeake CivQuest Property SiteCURRENT
No provider ID
Open source ↗Verified 2026-09-18T02:35:29.000000+00:00ZillowFOR_SALE
ID 68918073
Open source ↗Verified 2026-09-13T14:43:16.247115+00:00Approved inputs
Assumptions and overrides
gtp-investment-standard · version 1 · gtp-investment-worker-v4
| Override | Reason | Actor | Effective |
|---|---|---|---|
| No owner field overrides are active. | |||
Immutable activity
Underwriting and enrichment history
| Workflow | Status | Completed or requested | Version or outcome |
|---|---|---|---|
| Investment analysis | SUCCEEDED | 2026-10-08T05:20:50.851939+00:00 | gtp-calc-v1 |
| Acquire Listing Evidence | ENRICHED | 2026-10-06T02:19:37.561296+00:00 | 3 resolved · 0 unresolved |
| Enrich Onehome Context | ENRICHED | 2026-09-18T02:38:03.000000+00:00 | 0 resolved · 0 unresolved |
| Enrich Public Records | ENRICHED | 2026-09-18T02:35:29.000000+00:00 | 6 resolved · 0 unresolved |
| Acquire Listing Evidence | ENRICHED | 2026-09-18T02:33:37.000000+00:00 | 2 resolved · 0 unresolved |
Source facts remain traceable. Missing or conflicting evidence is not converted into an investment conclusion.