Billion Investors Group™ is a new firm — zero closed deals, stated plainly. What we bring is a discipline: 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.
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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.