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Owned by Aldo

Helping investors get more deals and build a real business with AI. Learn alongside two active investors sharing what works, deal by deal.

15 contributions to Terms Over Cash
Three people run 122 units
Me, my wife, and my sister. Plus two cleaners and a VA. About 75% of tenant messages get answered before a human sees them. The AI drafts against our written procedures. My wife supervises what it cannot handle. The whole software stack costs less per month than one plumber visit. But here is the part that matters: the software is not the moat. The written rules are the moat. AI can only answer as well as the procedures you wrote down. If your process lives in your head, there is nothing for automation to copy. Write down the five tenant questions you answer most. That document is worth more than any software you will ever buy.
1 like • Sep 14
The written procedures are doing the heavy lifting here. Getting the AI to draft from the actual operating rules is a lot more useful than giving it generic answers.
What would you say first?
You finally have a tired landlord on the phone. He picked up. He is listening. Comment your opening line, word for word. Exactly what would come out of your mouth. I will pick a bunch of them and show you what I would keep and what I would cut. No wrong answers, but there are expensive ones.
1 like • Sep 13
I'd probably open with, "Hey [name], I know this is out of the blue, but I was calling about [property]—did I catch you at a bad time?" It gives them context without jumping into a pitch.
What is actually stopping your next deal?
One word answers. Money, sellers, fear, or paperwork. Comment which one is holding you and one sentence of your situation. I will answer every single comment with what I would do in your spot. No wrong answers. 25 of my 43 buildings took nothing down toward the price, and I still remember which of those four words had me stuck at the start.
1 like • Sep 2
sellers, honestly. finding people who'd even entertain terms in the first place, most just want the check. curious how you get past the initial "no I want cash" reflex before you even get to asking what they'd do with the money
1 like • Sep 9
I would pressure-test the deal with purchase price, repairs, financing, carry, transaction costs, and exit value in one downside case. Setting the walk-away number before negotiation keeps a good story from overriding the math. The strongest version would include one downside case so the plan still works when the optimistic assumption misses.
A zero on the rent roll is a photograph, not a forecast
One of my buildings shows $0 income this month. On paper it looks like a disaster. It is not. The refinance funded a renovation, the renovation is underway, and the stabilized rent is $2,300 a month. The zero is a photograph of a construction site. The lesson: know which number you are underwriting with, actual or stabilized, and say so out loud. Lenders respect it. Sellers respect it. And you stop lying to yourself in both directions. When you run numbers, run both. The building as it sits today, and the building as it will operate. The gap between them is your job.
0 likes • Sep 9
The financing decision gets clearer when rate, points, recourse, reserves, prepayment, execution time, and stressed DSCR sit in one comparison. The lowest quoted rate can be the more expensive option once structure and downside risk are included. A simple weekly review of the leading metric would show whether the approach is working before the final result arrives.
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Aldo Chandra
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5 points to level up
@aldo-chandra-2470
AI x Real Estate

Active 13m ago
Joined Aug 31, 2026
Philadelphia, PA
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