S M Yusuf M.

Real Estate Underwriter | Institutional Analysis | Acquisitions & Development I support investors, developers, and lenders at the go / no-go decision stage with institutional-grade underwriting, valuation, and capital structuring. With over 10 years of experience in commercial real estate underwriting and financial analysis, I focus on risk-adjusted decision-making, not just spreadsheet outputs. My work is designed to answer one question clearly: Does this deal hold up under stress? Based in Vancouver, Canada — available across North American time zones. I underwrite acquisition, value-add, and ground-up development transactions across multiple asset classes, including multifamily, retail, office, industrial, self-storage, hospitality, and mixed-use properties. I also support mortgage underwriting and credit analysis for lenders evaluating commercial real estate debt opportunities. Over 10 years | 28 projects | ~$523M total capitalization | 3,500+ transactions underwritten for institutional lenders including Barclays, JP Morgan, Citigroup, and Credit Suisse. ________________________________________ What I Do Best Institutional Underwriting & Valuation • Full deal underwriting with downside, sensitivity, and exit risk analysis • Valuation using income capitalization, reversion, and scenario-based assumptions • Identification of underwriting gaps, sponsor risk, and execution risks Acquisitions & Development Financial Modeling • Value-add and ground-up development models • Construction budgets, draw schedules, and lease-up modeling • Financing sensitivity across leverage, rate, and timing scenarios Debt, Refinance & Capital Strategy • LTV / DSCR-driven debt analysis • Refinance feasibility and recapitalization planning • Equity vs debt optimization under changing market conditions Investor & IC-Level Materials • Investment memos and IC summaries • Pitch decks and offering memorandums • Clear, defensible narratives for partners, lenders, and investors ________________________________________ How Clients Use Me • Second-opinion underwriting before submitting LOIs • Stress-testing broker or sponsor assumptions • Development feasibility reviews • Pre-refinance and exit timing analysis My clients value clarity, speed, and honesty. If a deal works, I’ll tell you why. If it doesn’t, I’ll show you where it breaks. ________________________________________ Typical Engagements • Deal underwriting & investment review • Acquisition or development model build/review • Debt structuring and refinance analysis • IC memo or investor presentation support Hourly and fixed-fee engagements are available, depending on the scope. If you’re looking for institutional-grade analysis with practical judgment, let’s connect.