Free — no gate, no games
Fifteen questions that find problems while they're still cheap — your insurance renewal, your loan maturity, and the asset itself. Ten minutes. If any box stays unchecked, that's exactly where we can help.
I know my renewal date — and it's more than 90 days out. Under 90 days on the Central Coast is already behind schedule. Under 30 is a fire drill.
My replacement cost is current — not what the building cost in 2019. Construction costs moved hard. Underinsured buildings get penalized exactly when it hurts most.
I know whether I'm on an admitted carrier, surplus lines, or the FAIR Plan — and what my wildfire story is. Many owners find out at claim time. That's the wrong time.
My policy has been shopped by someone in the last 24 months — not just renewed. Auto-renewal is the most expensive button in insurance.
Loss of rents / business income is sized to reality — actual rent roll, actual rebuild timeline.
I know my exact maturity date and payoff — without calling anyone.
My maturity is more than 12 months out — or I've already started the refinance. Twelve months out you have options. Ninety days out you have whatever the market gives you.
I know what my building debt-services at today's rates — not the rate I locked in 2021.
I've seen more than one term sheet the last time I financed anything. One quote isn't a market. Three is.
My insurance won't blow up my closing — the lender's coverage requirements are already priced in. The #1 late surprise in Central Coast escrows right now.
I know what my property is worth today — from comps, not from hope.
My rents are at market — and I know what the building next door just leased for.
Deferred maintenance has a number on it — roof, HVAC, ADA, seismic — not a vague feeling. A builder's walk-through turns "someday" into a budget.
My hold / sell / 1031 plan has been said out loud this year — to a professional.
If I got a serious off-market offer tomorrow, I'd know my answer — and my number.
