Your First 5 Minutes: Essential Setup

Before you dive into analyzing deals, spend 5 minutes setting up your financial defaults. This ensures every deal you import gets analyzed with YOUR specific situation in mind.

Why This Matters

AlphaY calculates dozens of financial metrics for every deal. By setting your defaults now, you'll get accurate ROI projections, loan calculations, and investment returns that reflect your actual financing situation.

Access Your Settings

1. Look for Settings in the bottom right corner of your dashboard
2. Click Organizational Settings
3. Navigate to Financial Defaults

Configure Your Defaults

Investment Parameters

• Buyer Salary: What you plan to pay yourself annually
• Due Diligence Costs: Budget for lawyer, accountant, inspections (typically $15-25k)

Funding Structure

• Bank Loan (%): Percentage of deal financed through traditional bank lending (typically 70-80%)
• Seller's Note (%): Percentage financed by the seller (deferred payment to seller, typically 10-20%)
• Buyer Contribution (%): Your down payment/cash injection (typically 10-20%)
• Outside Investor (%): Capital from external investors or partners (0% if self-funded)

Bank Loan Details

• Term (years): Length of the bank loan repayment period (typically 7-10 years for SBA loans)
• Interest Rate (%): Annual interest rate on the bank loan (varies by loan type and market conditions)
• Loan Type:
  • SBA: Small Business Administration loan
  • Conventional: Traditional bank loan
• Include due diligence costs: Whether to roll DD costs into the loan amount (increases monthly payments and affects DSCR)

Seller's Note Details

• Term (years): Length of seller financing repayment (typically 3-7 years)
• Interest Rate (%): Annual interest rate on seller note (often lower than bank rates, negotiable)

Additional Costs

• Additional Costs: Extra expenses factored into financial calculations (working capital, equipment upgrades, transition costs, etc.)

The Magic Part

Once saved, these settings automatically apply to:

• Every new deal you import
• All financial calculations and projections
• ROI analysis and investment scoring
• Loan payment calculations

Update Anytime

Changed your financing situation? No problem! Update your defaults and all existing deals (without custom settings) automatically recalculate.

Individual Deal Overrides

Need different settings for a specific deal? You can override defaults on any individual listing without affecting your global settings.

Next Steps

With your financial defaults configured, you're ready to import your first deal and see accurate, personalized analysis. The numbers you'll see will be based on YOUR actual investment scenario, not generic calculations.

Ready to import your first deal? Check out "Import Your First Deal in 60 Seconds"