Developer API & Financial Formula Documentation

Integrate YieldEmpire's institutional underwriting logic into your own Python scripts, Google Sheets, or web applications with open client-side formulas.

Python Valuation Engine Example

Python Underwriting Module:

def underwrite_deal(price, gross_revenue, opex, debt_rate=0.085, ltc=0.80, amort_yrs=25):
    noi = gross_revenue - opex
    cap_rate = (noi / price) * 100
    
    principal = price * ltc
    r = debt_rate / 12
    n = amort_yrs * 12
    monthly_debt = principal * (r * (1 + r)**n) / ((1 + r)**n - 1)
    annual_debt = monthly_debt * 12
    
    dscr = noi / annual_debt if annual_debt > 0 else 9.99
    cash_flow = noi - annual_debt
    equity_down = price * (1 - ltc)
    coc_return = (cash_flow / equity_down) * 100 if equity_down > 0 else 0
    
    return {
        "noi": round(noi, 2),
        "cap_rate": f"{cap_rate:.2f}%",
        "dscr": f"{dscr:.2f}x",
        "annual_cash_flow": round(cash_flow, 2),
        "cash_on_cash": f"{coc_return:.2f}%",
        "sba_qualified": dscr >= 1.25
    }

# Example Evaluation
result = underwrite_deal(550000, 130000, 45000)
print(result)

Google Sheets & Excel Formulas

SPREADSHEET COMPATIBLE

1. DSCR (Debt Service Coverage Ratio):

= (Gross_Revenue - OpEx) / (PMT(Rate/12, Yrs*12, -LoanAmount) * 12)

2. Cash-on-Cash Return:

= (NOI - Annual_Debt_Service) / (Purchase_Price * Down_Payment_Pct)

3. Doubloon Bot Arbitrage Net Margin:

= (Sell_Price - Buy_Cost - (Sell_Price * Fee_Pct) - Shipping) / Sell_Price