Property Financials Plugin (v1.1)

Property-level financial tracking and reporting for small landlords. Generate rent rolls, P&L statements, ROI analyses, and portfolio reports from CSV transaction data — with IRS Schedule E alignment, CCIM/IREM investment benchmarks, and Fannie Mae/Freddie Mac lender thresholds.

Overview

Property Financials is a lightweight, privacy-first alternative to cloud-based property management platforms. It helps small landlords track rental income and expenses, analyze property performance, and make data-driven investment decisions—all without vendor lock-in or cloud storage.

Key Features:

• Import bank transactions from CSV (Chase, BofA, Wells Fargo, generic formats)
• Organize transactions by property and expense category
• Generate monthly rent roll reports
• Create property-level P&L statements
• Calculate cap rates, cash-on-cash returns, and ROI
• Compare portfolio performance across multiple properties
• All data stored locally with full backup control

Installation

1. Copy the pf-property-financials folder to your Claude plugins directory
2. Run /property-financials:setup to initialize workspace

Quick Start

# Initialize workspace and configure properties
/property-financials:setup

# Import your bank CSV files
/property-financials:import

# Generate reports
/property-financials:rent-roll --month 2026-03
/property-financials:pnl --property all --start 2026-01-01 --end 2026-03-31
/property-financials:roi --property <property-id>
/property-financials:portfolio

Commands

Command	Description	Skill
/property-financials:setup	Initialize workspace and configure properties	property-financials-setup
/property-financials:import	Import bank CSV files from inbound/ folder	property-financials-import
/property-financials:rent-roll	Generate monthly rent roll DOCX report	property-financials-rent-roll
/property-financials:pnl	Generate property P&L statement DOCX	property-financials-pnl
/property-financials:roi	Calculate ROI and cap rate analysis DOCX	property-financials-roi
/property-financials:portfolio	Generate portfolio summary DOCX	property-financials-portfolio
/property-financials:property-financials-dashboard	Interactive visual dashboard — "show me"	property-financials-dashboard
/property-financials:status	Show workspace status and configuration	property-financials-setup
/property-financials:pipeline	Run full pipeline: import → reports	property-financials-portfolio
/property-financials:kb	View domain knowledge base (IRS, GAAP, benchmarks)	property-financials-kb

Workspace Structure

.pf-property-financials/
  ├── config.json          # Portfolio and expense categories
  ├── ledger.json          # All transactions
  └── ledger-backup-*.json # Timestamped backups

inbound/                   # Drop CSV files here
outbound/                  # Generated DOCX reports
archive/                   # Completed reports and old imports
processing/                # Temporary workspace during report generation

Supported CSV Formats

• Chase: Posting Date, Description, Amount
• Bank of America: Date, Description, Amount
• Wells Fargo: Date, Description, Amount
• Generic: Date (col 0), Description (col 1), Amount (col 2)

Reports

Rent Roll

Monthly rent collection tracking. Shows unit-level income, vacancies, and collection rates.

Output: rent-roll-YYYY-MM.docx

P&L Statement

Property-level profit and loss. Breaks down income and expenses by category.

Output: pnl-{property}-{start-date}-to-{end-date}.docx

ROI Analysis

Investment return metrics: cap rate, cash-on-cash return, debt service coverage ratio, gross rent multiplier, break-even ratio, total ROI.

Output: roi-analysis-{property}.docx

Portfolio Summary

Compare performance across all properties. Shows top/underperformers and portfolio totals.

Output: portfolio-summary-{period}.docx

AI-Powered Features

• IRS Schedule E Alignment: Maps all expense categories to Schedule E Part I Lines 5–19 per IRS Publication 527 (Rev. 2024) for tax-ready reporting
• ROI Calculation with CCIM Standards: Computes cap rate, cash-on-cash return, DSCR, GRM, break-even ratio, and total ROI per CCIM Institute financial analysis methodology
• Lender Threshold Flagging: Flags DSCR against Fannie Mae (1.25×), Freddie Mac (1.20×), SBA 504 (1.15×), and CMBS (1.25–1.35×) underwriting requirements
• IREM Expense Benchmarking: Compares operating expense ratios against IREM Income/Expense Analysis benchmarks by property type (SFR 35–45%, MF 40–55%)
• Vacancy Rate Context: Compares portfolio vacancy against Census Bureau benchmarks (national ~5.8%) by property class (A: 4–6%, B: 5–8%, C: 7–12%)
• Rent Roll Analysis: Aggregates tenant data with industry-standard collection rate targets (95%+) and completeness validation
• P&L with NOI Standards: Generates profit/loss statements with NOI per CCIM/USPAP definition (excludes debt service, depreciation) and passive activity loss guidance per IRC §469
• Depreciation Tracking: Supports MACRS depreciation basis per IRC §168 (27.5-year straight-line, mid-month convention) with eligibility checklist
• Scenario Modeling: Projects financial impact of rent increases, vacancy, or capex at ±5% and ±10% per CCIM sensitivity analysis standards
• Portfolio Health Scoring: Evaluates portfolio against industry benchmarks including cash flow per unit ($100+/unit/month), replacement reserves (Fannie Mae $250–$300/unit/year), and concentration risk
• Centralized Knowledge Base: All domain knowledge (IRS codes, GAAP, lender thresholds, industry benchmarks) centralized in one authoritative reference with anti-hallucination rules

Feature Comparison

Feature	Property Financials v1.1	Rentec Direct ($540-900/yr)	Stessa ($240/yr)
IRS Schedule E line mapping	Yes (Lines 3–19)	No	No
CCIM-standard ROI metrics	Yes (6 metrics)	Basic	Basic
Lender DSCR thresholds	Yes (Fannie/Freddie/SBA/CMBS)	No	No
IREM expense benchmarks	Yes (by property type)	No	No
Vacancy rate benchmarks	Yes (Census/IREM)	No	No
Depreciation guidance	Yes (IRC §168 MACRS)	Basic	Basic
Sensitivity analysis	Yes (±10%)	No	No
Domain knowledge base	Yes (centralized, cited)	N/A	N/A
Data stays local	Yes	No (cloud)	No (cloud)
Price	Free	$540-900/yr	$240/yr

Estimated Cost per Use

Disclaimer: Token estimates are approximate and based on typical usage patterns measured from skill prompt sizes. Actual costs vary with input data size, conversation length, and complexity. Estimates use Claude Sonnet 4.6 pricing ($3/1M input, $15/1M output). Cowork and Claude Desktop subscription users (Pro/Max/Team) are not charged per-token — these estimates apply only to direct Anthropic API usage. Running stages individually in fresh sessions uses fewer input tokens than running the full pipeline sequentially, because pipeline mode accumulates conversation history across stages.

Per skill (run individually in a fresh session):

Stage	Skill Prompt	User Input	Total Input	Output	Est. Cost
property-financials-portfolio	~4.5K	~800	~8.1K	~4.5K	~$0.09
property-financials-pnl	~4.1K	~800	~7.7K	~4.1K	~$0.08
property-financials-roi	~4.4K	~800	~8.0K	~4.4K	~$0.09
property-financials-rent-roll	~3.4K	~800	~7.0K	~3.4K	~$0.07
property-financials-import	~4.9K	~2.0K	~9.7K	~2.0K	~$0.06
property-financials-kb	~4.8K	~800	~8.4K	~4.8K	~$0.10
property-dashboard	~5.0K	~500	~8.3K	~8.0K	~$0.14
Standalone total			~57.2K	~31.3K	~$0.64

Full pipeline (all stages in one session — context accumulates):

Stage	Base Input	+ History	Total Input	Output	Est. Cost
property-financials-portfolio	~8.1K	0	~8.1K	~4.5K	~$0.09
property-financials-pnl	~7.6K	~5.3K	~13.0K	~4.1K	~$0.10
property-financials-roi	~8.0K	~10.2K	~18.2K	~4.4K	~$0.12
property-financials-rent-roll	~7.0K	~15.5K	~22.4K	~3.4K	~$0.12
property-financials-import	~9.6K	~19.7K	~29.3K	~2.0K	~$0.12
property-financials-kb	~8.4K	~23.7K	~32.0K	~4.8K	~$0.17
property-dashboard	~8.3K	~29.3K	~37.5K	~8.0K	~$0.23
Pipeline total			~160.6K	~31.3K	~$0.95

Running the full pipeline once typically costs $0.67–$1.24 in API tokens (Claude Sonnet 4.6).

Known Limitations

1. No automatic bank linking — User must export and import CSV manually
2. No online rent collection — Plugin tracks received payments only
3. No tenant portal — Landlord-side financial tracking only
4. No real-time dashboard — Generate reports on demand
5. Single-user only — No multi-user access or role-based permissions
6. Cash-basis accounting only — No accrual accounting or deferred revenue
7. No audit trail — Use git version control to track changes
8. No inter-property cash transfers — Track manually
9. No 1099 reporting — Future enhancement consideration

Architecture

Property Financials uses a hub-and-spoke architecture:

1. Setup (hub): Creates config with properties and expense categories
2. Import (hub): Converts bank CSVs into a shared ledger
3. Reports (spokes): Rent Roll, P&L, ROI, Portfolio each read from the ledger independently

All reports are self-contained and can be regenerated from the same data without re-importing.

Configuration

Edit .pf-property-financials/config.json to:

• Add/remove properties
• Customize expense categories
• Set property fields (address, units, purchase price, etc.)

Changes apply to future imports. Historical transactions are not affected.

Support

• Data Loss: Each import creates timestamped backup in archive/. Restore by copying a backup to .pf-property-financials/ledger.json
• Errors: Check error messages carefully—they include suggested remediation steps
• Questions: Review USER-GUIDE.md for detailed walkthrough

Version History

See CHANGELOG.md for updates and improvements.

Important Disclaimers

• AI-Generated Content: This plugin uses AI (LLM) technology which can produce inaccurate or incomplete outputs. All content should be treated as a starting point and reviewed for accuracy before use.
• Not Professional Advice: Outputs do not constitute legal, financial, tax, medical, or other professional advice. Consult qualified professionals before making decisions based on generated content.
• No Compliance Guarantee: References to industry standards, regulations, or guidelines are for informational purposes only. This plugin does not guarantee compliance with any law or regulation. Users are responsible for verifying all outputs meet their specific regulatory requirements.
• No Endorsement or Affiliation: Mention of third-party products, standards, or organizations does not imply endorsement, partnership, or certification by those entities.
• Not Financial or Tax Advice: Financial calculations, tax estimates, and related outputs are for informational purposes only. Consult a qualified CPA or financial advisor for tax and financial decisions.