{"id":"dat-re-rental-monthly-cash-flow","audience":"real-estate","category":"data","technique":"context","title":"Work out a rental listing's monthly cash flow for a buyer","free":false,"task":"Your investor client wants a property's monthly cash flow. They always budget a 5% vacancy reserve and 8% property management, both on rent. Write exactly 3 numbered lines: 1) monthly fixed costs (converting yearly and quarterly bills to monthly), 2) reserves, 3) cash flow = rent − fixed − reserves, each with the math. Plain text, under 80 words.","materialLabel":"Listing and seller numbers (attached to your prompt automatically)","material":"412 BIRCHWOOD AVE - duplex unit B (listing details)\n\nCurrent rent: $2,400/month (lease through Aug)\nEstimated mortgage (client's lender quote, P&I): $1,350/month\nProperty taxes: $3,600/year\nInsurance: $1,200/year\nHOA: $150 per quarter\n\nSeller notes:\n- \"Unit never sits empty.\" (Seller's claim; one 2-month gap in 2023.)\n- Water is paid by the owner, but the seller says it's \"basically nothing.\" No bills provided.\n- New roof 2021.\n- Tenant has a dog; pet rent $25/month is NOT included in the $2,400 and isn't guaranteed past August.\n- Client is buying with a conventional loan, 25% down; the lender quote above already reflects that.\n- Unit A in the duplex is owner-occupied by the seller until closing.\n- Property manager candidates: two local firms, both quoted the same percentage.\n- Client wants the numbers before the second showing on Saturday.","rules":[{"type":"numberedItems","count":3},{"type":"plainText"},{"type":"maxWords","max":80}],"mistakes":[{"title":"Not giving the reserve rules","why":"The AI takes the seller at their word and skips vacancy and management.","fix":"Add: \"Budget 5% vacancy and 8% management, both on rent.\"","checks":["r1","r2"]},{"title":"Mixing time periods","why":"The AI adds yearly taxes or a quarterly HOA straight into a monthly sum.","fix":"Add: \"Convert yearly ÷ 12 and quarterly ÷ 3 first.\"","checks":["r0"]},{"title":"Not asking to see the work","why":"Your client will check every number.","fix":"Add a line to copy: \"1. Fixed: 1,350 + 300 + 100 + 50 = $1,800\"","checks":["numberedItems","r0"]},{"title":"Trusting the AI to count words","why":"AI is bad at counting. Ask for a total word limit and it often lands over it.","fix":"Cap each line: \"each line under 18 words.\"","checks":["maxWords"]},{"title":"Forgetting where it goes","why":"AI loves markdown tables and bold, which show up as clutter in a client text.","fix":"Add: \"Plain text, no bold, headings or tables.\"","checks":["plainText"]}],"promptHints":[{"label":"Gives the reserve rules","patterns":["5\\s*%","8\\s*%","vacancy","management"]},{"label":"Converts to monthly","patterns":["monthly","÷ ?12|/12","quarter"]},{"label":"Asks to show the math","patterns":["show (the |your )?(math|work)","x \\$|\\bx\\b.{0,10}=","calculation","step"]},{"label":"Sets a word limit","patterns":["\\d+\\s*words","word (limit|count)","under \\d+"]},{"label":"Asks for plain text","patterns":["plain","no bold","no markdown","no formatting","no (headings|tables)"]}],"hint":"The listing mixes yearly, quarterly and monthly bills, and doesn't include your client's reserves. Tell the AI both.","rubricLabels":["Fixed costs convert to monthly: $1,350 + $300 taxes + $100 insurance + $50 HOA = $1,800","Reserves are 5% + 8% of $2,400 = $120 + $192 = $312","Cash flow is $2,400 − $1,800 − $312 = $288, with pet rent not added and no intro or investment advice"]}