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Best for exact-offer decisions
Buyer Readiness Pro Calculator
A Bay Area offer-readiness spreadsheet for cash-to-close, DTI, RSUs, startup equity, appraisal-gap risk, reserves, city fit, and five-year outcomes.
Built as a reusable workflow, not a one-off PDF.
Designed around inspectable assumptions and source notes.
Why not just ask AI?
You are buying a working model, not a paragraph.
Persistent structure: formulas, tabs, databases, or linked views keep assumptions connected after the chat window is gone.
Local data scaffolding: Bay Area city and neighborhood assumptions are preloaded so you start from a local model instead of a blank prompt.
Decision memory: the tool preserves scenarios, rankings, notes, and source checks you can revisit with a partner, lender, agent, or roommate.
What this replaces
A messy weekend spreadsheet, a half-remembered lender call, and a buyer group chat trying to decide whether one specific offer is sane.
Offer ceiling logic using payment capacity and cash limits
RSU and startup equity haircuts instead of fantasy liquidity
Appraisal-gap, reserves, city-fit, and five-year outcome views
Source notes and assumption cells built for quarterly refreshes
Use it when
The decision needs structure before emotion takes over.
- You found a real listing and need a walk-away number.
- Your compensation includes RSUs, bonus income, or startup paper value.
- You need to know whether the offer works after closing costs, reserves, and repairs.
Ready to use it?
Get Buyer Readiness Pro Calculator.
Educational planning tool only. Verify numbers with your lender, agent, attorney, CPA, electrician, HOA, or local official before relying on them.
Buy on Gumroad - $39