Ten-year Treasury up 18 basis points on the week
Jumbo pricing typically follows within days. On your Franklin Loft model, a quarter-point rise adds $597 a month to the mortgage.
Manhattan · The Hamptons · Launching 2027
Every property decision, considered.
One private, intelligent place to discover, model, compare, finance, inspect, buy, rent and hold property, and to decide it with the people who matter.
Built for the investor with thirty properties and for the first-time buyer in a one-bedroom rental.
The journey
Ten stages. One continuous line.
Today you'd stitch together a listings portal, a spreadsheet, a rent checker, a mortgage table, a forum and a filing cabinet. Here every stage hands what it learned to the next.
- 01DreamNeighbourhood guides and building histories
- 02ResearchComparable sales, rents, risk and schools
- 03ModelYield, IRR, tax and break-even, live
- 04ShortlistRanked against your own goals
- 05FinanceLenders compared on total cost
- 06InspectBuyer-side inspections from your iPhone
- 07TransactItemised closing costs and a deal room
- 08Own or rentThe same polish for renters and owners
- 09OptimiseRefinance signals, leases and upkeep
- 10ExitA sell-or-hold signal when it matters
The modelling studio
Part magazine spread, part investment memo.
Save a property from anywhere: our search, a pasted listing link, an address, or a photo of a for-sale sign. It becomes a dossier that answers the questions people actually ask.
- Is this a rental yield play or a capital growth play?
- Live in it or let it? Owner-occupier and investor are two lenses on one property.
- What if rates rise a point, vacancy hits two months, or we sell in seven years instead of ten?
- One plain-English verdict and a confidence level first; every number opens to show where it came from.
Investment memo · excerpt
Pass at this price.
3.0% a year over 10 years (-1.0% after tax), with $12,277 a month to carry from year one.
- Gross yield
- 4.8%
- Net yield
- 2.6%
- Cash on cash
- -10.4%
- IRR / after tax
- 3.0% / -1.0%
- Break-even rent
- $33,901/mo
- Cash invested
- $1,412,056
Comparable sales, deed records · 6 daysRent comparables, 41 leases · 3 daysBuilding financials, 2025 audit · 4 months
Comparison
Four properties. One chart. Your goals.
Projected wealth curves overlay one another. Move an assumption and every property moves with it, and the ranking reorders against the goal you set.
- 1Amagansett Dune CottageAmagansett, East Hampton7.8%
- 2Sagaponack Shingle HouseSagaponack, Southampton6.3%
- 3The Franklin LoftTribeca, Manhattan3.0%
- 4Bank Street Two-BedroomWest Village, Manhattan1.8%
Financing and closing
The true cost, not the headline rate.
Lenders compared on rate, APR, points, fees, lock length and cost, prepayment, minimum down and timeline: jumbo, super-jumbo, interest-only, portfolio, private-bank, foreign-national and DSCR loans. Ranked by what each costs over the years you'll actually hold it.
Compare loansClosing costs, itemised
Every line estimated for the specific property and structure: mansion tax, mortgage recording tax, title, attorneys, co-op flip taxes, move-in fees and, on the East End, the Peconic Bay preservation fund. Who pays it, what moves in negotiation, and the cash you'll need on the day.
Build the waterfallTailored programmes
Some buyers qualify for loans that change everything.
Tell us, if you wish, that you served, practise medicine, or bank somewhere in particular. From then on every model, lender comparison and closing estimate reflects what you qualify for.
Veterans and service membersVA home loansUp to 100% financing, no mortgage insurance, and buildings of up to four units when you live in one.Read the briefingResidents to partnersPhysician mortgagesLittle or nothing down, student debt treated gently, and the honest moment when conventional wins.Read the briefingRelationship pricingThe major banksWhat the discount asks you to move, for how long, and whether the money would earn more elsewhere.Read the briefing
Deal rooms
Decide together, on the record.
A private room per opportunity: the shortlist, live models, documents, inspection reports, lender offers and a threaded discussion. Owners, partners, advisers and observers; votes and sign-offs; each person's capital and share; a clean audit trail.
Share a single property or a whole comparison as a read-only live link that reads like a private-bank presentation, with watermark, expiry and view tracking.
See a shared memoThe Morning Brief · Manhattan
Two Sagaponack sales above $8 million close in September
Both south of Montauk Highway. Your Sagaponack comparable set now has eleven sales from the last twenty-four months.
Illustrative briefing. Delivered daily or weekly, by email and push.
The salon
A high-signal forum, not a message board.
Organised by strategy, market and property type, with verified investor and professional badges, careful moderation, AI summaries atop long threads, and any model embeddable in a post so it's discussed in context.
Beyond your own country
New York to Tokyo, on equal terms.
Market profiles in one format, returns in local and home currency with a hedging toggle, and listed property (US REITs, A-REITs, UK and Singapore REITs, property ETFs) beside direct holdings.
Open the world viewRenting, with the same polish
Today's renter is tomorrow's buyer.
Rent-fairness against comparable apartments, the true cost of moving in, applications, guarantor and fee comparisons, viewing notes, lease reminders, and a rent-versus-buy model that quietly shows when owning starts to make sense. Landlords get the same tools in reverse.
Rent or buy?Companion iPhone app
Inspections, effortless.
Room-by-room checklists, photos tagged to a floor plan, transcribed voice notes, defects by severity with cost estimates, LiDAR measurements, and light, noise and signal readings, in your partner's deal room in London minutes later.
See the inspection screenMembership
Three ways in.
JourneyFree
Search, save, model and compare up to five properties. Closing-cost estimates and the weekly brief.
Journey ProFor serious investors
Unlimited dossiers and scenarios, the AI analyst, deal rooms, shared memos, account aggregation and the daily brief.
Journey PrivateBy invitation
A dedicated human adviser, early sight of off-market opportunities, and private evenings in New York and on the East End.
Early access
Be among the first in Manhattan and the Hamptons.
We're opening to a small group of investors, buyers and professionals first. Leave your email and we'll write to you personally.
Mortgage brokers, lenders, agents, inspectors, attorneys and property managers: tell us in the message and we'll send the professional application.