You know the drill. Someone asks whether to refinance, hold, or sell, and you end up cloning a model, swapping debt terms, and trying to keep assumptions aligned across tabs. By the time you line up DSCR, debt yield, and returns, you are checking fees and penalties twice and hoping nothing slipped. The answer is there, but it takes too long to make it clean. Asset Management ~10 min to run Build Refinance Comparison Vic prompt Use Vic to build a refinance comparison for this 180-unit multifamily asset, including hold, refinance at current rates, and sale scenarios. Purpose Owners see the cash impact and return trade-offs of each option in one view, cutting the typical 120-minute manual comparison to roughly 10 minutes. Inputs Existing Loan Terms Required Property Financials Required Sale Assumptions Optional Target Proceeds Optional Output Format Optional Outputs An Excel file or memo that places the three scenarios next to each other with all metrics and a plain-language refi-versus-hold-versus-sell decision. Time saved Turns roughly 120 minutes of manual work into about 10 minutes. How it works Give Vic the current loan terms and property financials. Add sale assumptions if you have them, and a target proceeds number if you are aiming for a specific outcome. You can also choose an Excel file or a short memo. Run it with: "Use Vic to build a refinance comparison for this 180-unit multifamily asset, including hold, refinance at current rates, and sale scenarios." The task sizes new loan proceeds at market rates, then subtracts prepayment penalties, yield maintenance, and closing costs. It builds three paths from the same base: hold the current loan, refinance, or sell. The output puts them side by side with the same definitions and timing. You get DSCR, debt yield, and LTV for each path, along with cash back to equity and levered IRR or equity multiple. It also includes a breakeven view and a plain language recommendation that says which path wins on the numbers shown. The point is consistency. When the three options sit next to each other with identical assumptions, the differences come from the decision, not from model drift. If the refinance only works because fees were missed, it shows up. If the sale returns more cash but at a weaker return, that tradeoff is clear. The output comes back as a clean Excel file or a short memo you can send. No hunting across tabs. No reconciling DSCR or debt yield definitions between versions. It is one view that ties debt metrics to equity outcomes. Used well, this replaces the usual back and forth that eats a couple of hours. You can answer the question in minutes, then spend your time on the judgment call instead of the mechanics.