Billion Investors Group™ is a new firm — zero closed deals, stated plainly. What we bring is a discipline: I protect the money before growing it. Every property we touch is stress-tested for the downside before anyone talks about the upside.
| Base case | Stress case | |
|---|---|---|
| Vacancy & loss | 5% | 20% (80% occupancy) |
| Operating expenses | 40% of EGI | 50% of EGI |
| Rent growth | Zero — the pro-forma never needs the market's help | |
| DSCR | — | Must clear 1.25× |
| Break-even occupancy | Computed on every deal | |
The pass/fail line: a deal passes only if it covers its debt 1.25 times in the stress column. If it only survives the base case, it's a no. And if the numbers don't survive, we add occupancy till break-even occurs — the math decides, not the mood.
Borrower: Brian Woodbridge — first-time multifamily buyer. No closed multifamily deals yet — that's why this stress test is the same document on every deal, judged on the numbers, not a track record. Building the lender relationship before there's a clock running.
Deals that survive the stress test, market notes, and first looks — shared with the private group before anyone else. Leave your name, phone, and email. Brian approves every member personally.
Takes 30 seconds — name, phone, email. Opens in a new tab; Brian approves every member personally.
After you submit, request to join the private Facebook group here — Brian approves every member personally.
For informational purposes only. Nothing here is an offer to sell securities. Joining the group is not an investment commitment.
The calculator is the front door of the private group — leave your name, phone, and email, then run all the numbers you want. Brian approves every member personally.