A 60-second screen against the 1.25× debt-service coverage a lender looks for, with a benchmarked owner replacement cost and a conservative add-back haircut.
ON THE BUBBLEDepends on add-back supportSample
Verdict: LowInput Quality: High
Example deal — edit the numbers above and re-run for your own.
benchmark owner replacement cost
$88,550
benchmark · Construction Managers · May 2025
Add-back haircut tested
$0 – $9,323
conservative band
Why this verdict
The range straddles the 1.25× lender minimum: the verdict depends on how add-backs are documented.
Why this input confidence
Revenue, SDE, and industry are stated figures with benchmark-grounded inputs.
This is an underwriting screen, not a lender credit decision. The owner-comp benchmark is a market replacement-cost estimate; lenders may treat owner comp and add-backs differently.
This is the same underwriting engine used inside AcquiFlow’s full acquisition analysis.
🔒See the line-by-line add-back breakdown
The full derivation behind this verdict: the owner-comp haircut, the add-back band a lender may credit, the lender-view SDE range, debt service, and a plain-English read of what decides this screen.
Run the screen with your own numbers first — then unlock the breakdown with your email.