I didn't need another
calculator.

Every tool out there promised the same thing: plug in some numbers, get a cap rate, call it underwriting. Most of them were overpriced for what they actually did, and none of them solved the real problem.

Because answering "does this deal pencil" is the easy part. The harder part comes right after — can you take that number and actually get an investor to write a check. A spreadsheet that only tells you your own math doesn't help you close a raise. It doesn't hold up when a partner asks you to defend an assumption, and it doesn't give a lender anything they can actually use.

I also built this because of who I was building it for. My business partner was my uncle, and Excel wasn't his language — but he still needed to understand the deal, trust the numbers, and know what he was signing up for. If a tool only works for the person who built it, it's not actually useful to a partnership. So every workbook here is built to be readable and usable by someone who isn't a spreadsheet expert, not just the person running the model.

EZ Multifamily Underwriter exists to close both gaps: a defensible number you can hand to an investor, and a tool simple enough that your partner doesn't need an Excel background to trust it.

Chris Hernandez spent 25 years in uniform — Army, then Air Force, then Army again, retiring in 2026 — building the discipline this platform runs on: check the assumptions before you trust the outcome.

For the past six years that discipline has gone into real estate. Three years as a professional investor and syndicator, underwriting 50+ unit B and C value-add multifamily deals built in 1980 or later, working alongside capital groups and individual investors who needed the numbers to hold up before they'd wire a dollar. The same three years have gone into Property Management Inc. — Gulf Horizons, a franchised property management and brokerage office based in Pensacola, Florida, giving a day-to-day, ownership-side view of what actually drives NOI after the deal closes.

EZ Multifamily Underwriter exists because none of that experience is worth much if the underwriting behind it can't be defended — to a lender, a partner, or yourself, six months after you signed.