You know the moment. The asset is midway through the plan, values have moved, and someone asks if it is time to sell. You open a model, copy a tab, and start stitching together three views that never quite line up. The friction is not the math. It is keeping the decision tied to the same equity base, the same assumptions, and a fair comparison across sale, hold, and refinance. Small inconsistencies creep in and the answer drifts. Asset Management ~10 min to run Build Hold-Sell-Refinance Analysis Vic prompt Use Vic to build a hold-sell-refinance analysis for a property using current financials, sale assumptions, and a refinance alternative with a breakeven threshold. Purpose Owners reach a documented decision in roughly 10 minutes instead of 150 minutes of manual modeling, reducing the chance of leaving equity on the table or holding an asset past its optimal exit. Inputs Property Financials Required Existing Loan Terms Optional Sale Assumptions Optional Hold Horizon Optional Reinvestment Alternative Optional Output Format Optional Outputs An Excel file or memo that shows net sale proceeds today, go-forward marginal returns on equity freed by selling, net cash-out refinance proceeds and returns, coverage and leverage ratios for each option, the breakeven point that changes the decision, and a plain recommendation. Time saved Turns roughly 150 minutes of manual work into about 10 minutes. How it works You give Vic the property financials and any details on the current loan. If you have sale assumptions, a target hold period, or a refinance case, include those. If not, it still runs with what you provide and sets up a consistent comparison. Run it with a single line: "Use Vic to build a hold-sell-refinance analysis for a property using current financials, sale assumptions, and a refinance alternative with a breakeven threshold." The output comes back as an Excel file or a short memo. It shows three paths side by side, all measured against the owner’s current at risk equity. Sell today. Net sale proceeds after costs, based on your assumptions. Hold and execute. Marginal IRR and equity multiple on the equity you would free up by selling, not a blended since inception view. Cash out refinance. Net proceeds from a refi plus forward returns on the remaining position. For each option, Vic includes DSCR, debt yield, and LTV so you can see risk next to returns. If there is a yield maintenance penalty, it is built into the economics instead of treated as an afterthought. The piece most teams skip is the breakeven. Vic identifies the hold period or value point that flips the decision. That gives you a clear line to test instead of arguing over ranges. The memo ends with a direct recommendation based on your inputs. This is not a generic sensitivity dump. The analysis stays focused on the question at a realization point: what happens to my equity if I sell now versus keep going or pull cash out. Because everything uses the same equity base, the comparison stays honest. There is also a practical benefit for investment committee. The output uses clean CRE formatting, with ratios and proceeds laid out so a reviewer can follow the logic quickly. You can share the Excel or the memo without a separate write up to reconcile tabs. The time savings are real. What often takes a couple of hours of copying, relinking, and checking runs in about ten minutes. More important, the structure reduces the chance you hold an asset past its optimal exit or sell when a refinance would have preserved upside with acceptable risk. Use it when the question first comes up, not after you have already leaned one way. The task forces a fair comparison early and shifts the conversation from opinions to numbers.