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vault updated Feb 27, 2026 — 14 new entries this week
§ 01 / spec-sheet
Financing
3,241 entries
Loan products, underwriting ratios, GSE guidelines, bridge debt, SOFR indexes.
Contracts
2,108 entries
Valuation
1,894 entries
Compliance
1,672 entries
Tax Strategy
1,445 entries
Syndication
912 entries
FINANCINGcodex://entry/debt-service-coverage-ratio-(dscr)
Debt Service Coverage Ratio (DSCR)
1// DSCR — lender minimum: 1.20x for most agency loans
2
3DSCR = NOI / Annual Debt Service
4
5// NOI = Gross Rents − Vacancy − OpEx (excl. debt)
6// Annual Debt Service = P&I × 12
7
8example:
9 NOI = $84,000
10 Debt Service = $67,200 ($5,600/mo × 12)
11 DSCR = 1.25x ✓ agency-eligible
12
13flag: DSCR < 1.0x = negative leverage territory
last verified Jan 2026·cited by 312 agents·
§ 02 / spec-sheet
Financing
3,241 entries
Contracts
2,108 entries
Purchase agreements, addenda, disclosure requirements by state, contingency timelines.
Valuation
1,894 entries
Compliance
1,672 entries
Tax Strategy
1,445 entries
Syndication
912 entries
CONTRACTS / CAcodex://entry/ca-residential-purchase-agreement-—-disclosure-timeline
CA Residential Purchase Agreement — Disclosure Timeline
1// CAR RPA-CA Rev. 12/23 — statutory disclosure deadlines
2
3Day 0 — Acceptance / COE clock starts
4Day 3 — Seller TDS + SPQ due to buyer
5Day 7 — NHD report, pest, HOA docs
6Day 10 — Buyer inspection contingency default
7Day 17 — Loan + appraisal contingency default
8Day 21 — Final walk-through (buyer's right)
9
10flag: All days = calendar days, not business days
11flag: AB-2898 addendum required as of Mar 1, 2026
last verified Jan 2026·cited by 312 agents·
§ 03 / spec-sheet
Financing
3,241 entries
Contracts
2,108 entries
Valuation
1,894 entries
Cap rate, GRM, DCF, ARV, comp selection frameworks, appraisal adjustment grids.
Compliance
1,672 entries
Tax Strategy
1,445 entries
Syndication
912 entries
VALUATIONcodex://entry/cap-rate-vs.-cash-on-cash-return
Cap Rate vs. Cash-on-Cash Return
1// Two different questions — often confused
2
3Cap Rate = NOI / Purchase Price
4// ignores financing — pure asset yield
5
6CoC Return = Pre-tax Cash Flow / Equity Invested
7// includes debt — measures YOUR return on YOUR dollars
8
9worked example ($1.2M acquisition, 25% down):
10 NOI = $72,000
11 Cap Rate = 6.0%
12 Debt Service = $54,480
13 Pre-tax CF = $17,520
14 CoC = 5.84% (on $300K equity)
last verified Jan 2026·cited by 312 agents·
§ 04 / spec-sheet
Financing
3,241 entries
Contracts
2,108 entries
Valuation
1,894 entries
Compliance
1,672 entries
Fair housing, 1031 timelines, RESPA, NAR settlement buyer-rep rules, state licensing.
Tax Strategy
1,445 entries
Syndication
912 entries
TAX / 1031codex://entry/1031-exchange-—-critical-deadline-decision-tree
1031 Exchange — Critical Deadline Decision Tree
1// IRC §1031 — like-kind exchange timeline (strict deadlines)
2
3Relinquished property closes
4 └─ Day 0 — exchange clock starts (QI holds proceeds)
5
6 └─ Day 45 — HARD DEADLINE: identify replacement property
7 └─ max 3 properties (200% rule or 95% rule)
8
9 └─ Day 180 — HARD DEADLINE: close on replacement
10 └─ OR tax return due date if earlier
11
12flag: QI must be designated BEFORE closing — no exceptions
13flag: "Boot" received = taxable in year of exchange
14see also: §1031 + QOZ overlap rules (added Feb 20, 2026)
last verified Jan 2026·cited by 312 agents·
What's New This Week
14 entries added Feb 20–27, 2026
Every update is verified against current state statutes, IRS publications, and GSE guidelines.
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