Indevest Sample Analysis Dashboard

Fictional business examples. Financial figures, loan terms, buyer targets, valuation multiples and future-value assumptions are illustrative user entries, not verified business data or market references. Cash-on-cash returns and the future-value scenario use the buyer cash contribution; additional acquisition cash is shown separately in the initial cash estimate.

Analysis dashboard

Harbor Commercial HVAC

Saved 9/14/2026, 5:16:13 PM

GroupGA-017 fictional business samplesOpportunityBusiness purchaseFiguresBuyer-normalized assumptionsPurchase price$1,450,000Interest rate9.00%Amortization10 yrs

Buyer screen

All evaluated buyer targets met

5 met exactly (5 applicable targets)

Buyer targets

NIAT / Month
$12,999
- Minimum monthly cash flowMet
Actual DSCR
2.37x
- Required DSCRMet
Operating Earnings Yield
24.83%
- Minimum annual operating earnings yieldMet
- Annual comparison investment yieldMet
Monthly Income-to-Price Ratio (1% Rule)
10.34%
- Monthly income-to-price targetMet

Primary indicators

Cash on Cash

46.2%

After-tax Cash on Cash

34.7%

Price-to-Revenue Multiple

0.81

Revenue Cushion

11.6%

Operating performance

Figures: Buyer-normalized assumptions

Buyer-adjusted EBITDA

$360,000

Seller-reported EBITDA

$396,000

Buyer adjustment difference

-$36,000 (-9.1%)

Buyer-adjusted and seller-reported EBITDA use the same earnings definition. Both amounts are user-provided and are not independently verified.

Price context

Entered asking price

$1,450,000

Indicative valuation range

$1,260,000 to $1,620,000

Indicative base estimate

$1,440,000

Asking price vs base estimate

$10,000 above base estimate

Operating picture

Figures: Buyer-normalized assumptions

Gross income / month

$150,000

Operating expenses / month

$120,000

Operating earnings / month

$30,000

Operating margin

20.0%

Buyer-adjusted and seller-reported EBITDA use the same earnings definition. Both amounts are user-provided and are not independently verified.

Financing and buyer cash flow

Buyer cash contribution

$450,000

Loan amount

$1,000,000

Debt service / month

$12,668

Debt-service coverage

2.37x

Before-estimated-tax cash flow / month

$17,332

After-estimated-tax cash flow / month

$12,999

Break-even gross income / month

$132,668

Estimated initial buyer cash

Complete for supplied context

Existing buyer cash contribution

$450,000

Additional inventory at closing

$35,000

Immediate repair or replacement cash

$20,000

Opening working capital

$90,000

Known additional cash subtotal

$145,000

Known total initial buyer cash need

$595,000

Additional amounts are treated as buyer cash in this bridge and do not change the existing loan calculation.

Asset and additional-cash amounts are user supplied and are not appraisals or verified market values.

Added amounts are treated as cash-funded for this screen. They are user supplied, not appraised, and do not change the existing loan or valuation calculations.

Indicative valuation

Low / base / high estimated value

$1,260,000 / $1,440,000 / $1,620,000

Low / base / high assumption

3.5x / 4x / 4.5x

Selected method

EBITDA multiple

Asking price vs base estimate

$10,000 above base estimate

A selected-method screening indication based on user-supplied or explicitly confirmed assumptions. It is not an appraisal, verified comparable, recommended offer, or lender decision.

Financing And Investment Benchmarks

Equivalent Capital At Comparison Yield

$3,000,000

NIAT-Preserving Purchase Benchmark

$1,660,439

These are separate comparison-investment and cash-flow benchmarks under the saved assumptions. Neither is market value, lender approval, affordability, an appraisal, or a recommended offer.

Comparisons use Saved thresholds.

Investment assumptions

Opportunity type

Business purchase

Financial figures represent

Buyer-normalized assumptions

Purchase price

$1,450,000

Down payment

$450,000

Interest rate

9.00%

Amortization

10 yrs

Average tax rate

25.00%

Gross income / annual

$1,800,000

Gross income / monthly

$150,000

Operating expenses / monthly

$120,000

Loan amount

$1,000,000

Loan-to-value

69.0%

Cash flow composition

Monthly

Gross income$150,000

Operating expenses$120,000

Financing$12,668

Estimated tax$4,333

NIAT$12,999

Estimated tax impact

Annual tax

$51,997

Monthly estimated tax

$4,333

NIAT / annual

$155,992

NIAT / monthly

$12,999

After-tax Cash on Cash

34.7%

Payback period, after-tax

2.9 yrs

Not tax advice. Tax treatment depends on jurisdiction and investor structure.

Illustrative scenario

Illustrative Future Value Scenario - 5-year holding period

Based on your assumptions; not a prediction, appraisal, guarantee, or internal rate of return.

Estimated total proceeds

$1,769,034

Estimated total profit

$1,319,034

Remaining loan balance

$610,240

Simplified annualized return

31.5%

Sources and uses

Initial cash invested

$450,000

Cumulative operating cash flow

$906,430

Net sale proceeds

$862,604

Total proceeds

$1,769,034

Total profit after initial cash

$1,319,034

Exit value bridge

Estimated future asset value

$1,600,917

Less remaining debt

$610,240

Estimated future equity

$990,677

Less selling costs

$128,073

Net sale proceeds

$862,604

Scenario assumptions

Current asset value

$1,450,000

Holding period

5 yrs

Annual asset value change

2.00%

Annual income growth

3.00%

Annual operating expense change

3.00%

Exit selling cost

8.00%

Nominal and inflation-adjusted context

Inflation-adjusted future asset value

$1,414,978

Inflation-adjusted net sale proceeds

$762,416

Inflation-adjusted total proceeds

$1,563,568

Inflation-adjusted total profit

$1,165,833

Asset value change sensitivity

Sensitivity values
Annual asset value change	Future asset value	Future equity	Net sale proceeds	Simplified annualized return
1.00%	$1,523,965	$913,725	$791,807	30.4%
2.00%	$1,600,917	$990,677	$862,604	31.5%
3.00%	$1,680,947	$1,070,707	$936,232	32.6%

annual projection detail

Annual and partial-year projection detail
Period	Gross income	Operating expenses	NOI	Debt service	NIAT
Year 1	$1,854,000	$1,483,200	$370,800	$152,011	$164,092
Year 2	$1,909,620	$1,527,696	$381,924	$152,011	$172,435
Year 3	$1,966,909	$1,573,527	$393,382	$152,011	$181,028
Year 4	$2,025,916	$1,620,733	$405,183	$152,011	$189,879
Year 5	$2,086,693	$1,669,355	$417,339	$152,011	$198,996

All metrics

Review the metric details below.

Indicators

Price-to-Revenue Multiple

0.81

Monthly Income-to-Price Ratio (1% Rule)

10.34% (Pass)

Operating Earnings Yield

24.83% (> 12.00%)

Cash on Cash

46.2%

After-tax Cash on Cash

34.7%

Price-to-Operating-Earnings Multiple

4.03x

Financing And Investment Benchmarks

Equivalent Capital At Comparison Yield

$3,000,000

NIAT-Preserving Purchase Benchmark

$1,660,439

Asking Price vs Guided Valuation Base

$10,000 above base estimate

Required DSCR

1.50x

DSCR pass/fail

Pass

Target NIAT (Monthly)

$11,000

NIAT Target Result

$1,999 surplus

Break-Even Income Result

$17,332

Valuation warnings

None

Income

Buyer-normalized estimated EBITDA

$360,000

Annual NIAF

$207,989

Monthly financing cost

$12,668

Monthly NIAF

$17,332

Estimated EBITDA Margin

20.0%

Operating expense ratio

80.0%

Break-even Revenue

$132,668

Revenue Cushion

11.6%

Estimated Tax

Annual tax

$51,997

Monthly estimated tax

$4,333

Net income after tax

NIAT / annual

$155,992

NIAT / month

$12,999 (> $11,000)

Leverage and coverage

Loan amount

$1,000,000

Annual debt service

$152,011

Actual DSCR

2.37x

Loan-to-value

69.0%

Payback

Payback period, pre-tax

2.2 yrs

Payback period, after-tax

2.9 yrs

Future Value Scenario

Current asset value

$1,450,000

Annual appreciation / depreciation

2.00%

Holding period

5 yrs

Annual income growth

3.00%

Annual operating expense inflation

3.00%

Exit selling cost

8.00%

Annual general inflation

2.50%

Estimated future asset value

$1,600,917

Projected annual gross income at exit

$2,086,693

Projected annual operating expenses at exit

$1,669,355

Estimated future equity

$990,677

Estimated net sale proceeds

$862,604

Estimated selling costs

$128,073

Scenario annualized return estimate

31.5%

Initial cash invested

$450,000

Cumulative operating cash flow during holding period

$906,430

Projected annual NOI at exit

$417,339

Remaining loan balance

$610,240

Estimated total proceeds

$1,769,034

Estimated total profit

$1,319,034

Inflation-adjusted future asset value

$1,414,978

Inflation-adjusted net sale proceeds

$762,416

Inflation-adjusted total proceeds

$1,563,568

Inflation-adjusted total profit

$1,165,833

Scenario calculation notes

Projected operating cash flow increases total proceeds during the holding period. Remaining loan balance is deducted from sale proceeds at exit. Exit selling costs are deducted from future asset value. Inflation-adjusted values reflect the projected purchasing-power equivalent at the provided inflation rate.

Future Value Annual Projection

Year 1 operating projection

$164,092

Year 2 operating projection

$172,435

Year 3 operating projection

$181,028

Year 4 operating projection

$189,879

Year 5 operating projection

$198,996

This is not a recommendation. Results are preliminary and based on user-entered assumptions. Buyers should consult the appropriate qualified professionals before making a business purchase or investment decision.