Personalized real estate analysis
Your target matters because the same property can be acceptable for one strategy and wrong for another.
Platform · Valuation method
Goal-Convergent Valuation Method.
A third lens for real estate analysis: not just what the market paid, and not just what income supports, but what price fits your investment goal.
The valuation landscape
Each valuation method answers a different question.
Comparative valuation and capitalization valuation are staples for a reason. They help investors understand market behavior and income support. Goal-convergent valuation adds a personal decision lens: what price would allow this property to satisfy the investor’s own objective?
| Method | Starting point | Main question |
|---|---|---|
| Comparative valuation | Similar sales | What has the market paid? |
| Capitalization valuation | Income stream | What value does the income support at the market cap rate? |
| Goal-convergent valuation | Investor goal | What purchase price makes this work for me? |
Reverse-solved purchase price
3Y works backward from the target.
In a standard calculator, the asking price is usually the starting point. You enter the price, then see whether the returns look acceptable.
Goal-convergent valuation turns that around. 3Y starts with the investor’s selected goal — cash-on-cash return, debt service coverage ratio, or cash velocity — and works back toward the purchase price that would satisfy that goal under the analysis assumptions.
That reverse-engineered purchase price is not a promise and not an appraisal. It is the 3Y Estimate™: the goal-convergent price supported by the property’s income and expenses, financing terms, and your selected goal.
From property to price
Property characteristics shape the assumptions. The assumptions shape the price.
3Y does not independently appraise physical characteristics or assign a market premium to them. Their financial effects should be reflected in the assumptions you enter or confirm before running the analysis.
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01
Property characteristics
What you know about the property
Year built · Square footage · Lot size · Physical condition
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02
Financial assumptions
What enters the analysis
Achievable rent · Repairs · Reserves · Insurance · Financing · Management costs
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03
3Y Estimate™
What 3Y solves for
The purchase price your selected goal can support
Why it matters
A good deal is not the same deal for everyone.
One investor may care most about cash flow. Another may accept thinner early cash flow for long-term growth. Another may need a conservative cushion because financing, insurance, or repair risk is higher. Goal-convergent valuation lets the analysis bend toward the investor’s actual goal instead of forcing every property through one generic benchmark.
Goal-convergent valuation
The goal becomes the anchor for the math, not a footnote after the asking price has already framed the decision.
Target purchase price
The investor gets a clearer view of the entry point where the property’s numbers may converge with the desired outcome.
What this method does not claim.
Goal-convergent valuation does not replace appraisals, broker opinions, lender underwriting, tax advice, legal advice, or professional due diligence. It is a decision-support method for understanding how a specific property fits a specific investment goal.