Run The Numbers
Before The Meeting
The analysis EGX runs on its own deals, available to use directly. Every resource here is free and none of them asks for an account.
These are the screens EGX runs before committing capital, published rather than kept internal. They return a real answer, including when the answer is that a deal does not work. Each one hands off to a person when the question outgrows a calculator.
What Does It Actually Cost
Under Each Structure
Most calculators assume a thirty-year residential loan and collapse amortization into term. Commercial and bridge debt does not work that way, and the balance left at maturity is usually the number nobody has shown the borrower.
Compare loan structures side by side. Amortization and term are separate inputs, because on commercial and bridge debt they are different numbers and the gap between them is the balloon.
Base rate opens at the Freddie Mac PMMS 30-year fixed average of 6.71%, week of September 3, 2026. That is a national survey average. Your quote will differ.
| Loan Type | Rate | Amort | Term | Monthly P&I | With Tax + Ins | Balloon At Term |
|---|---|---|---|---|---|---|
| Conventional 30-Year Fixed | 6.71% | 30 yr | 30 yr | $5,813 | $7,363 | None |
| DSCR Investor | 7.71% | 30 yr | 30 yr | $6,423 | $7,973 | None |
| Commercial | 7.46% | 25 yr | 7 yr | $6,628 | $8,178 | $786,559 |
Rates shown are editable defaults applying an illustrative spread to the base rate entered, not quotes. The base rate opens at the Freddie Mac PMMS 30-year fixed average for the week shown above, which is a national survey figure that moves weekly and reflects no particular borrower, property, or loan. Enter a real quote for a real answer. Payments are principal and interest, plus the property tax and insurance figures entered; they exclude HOA dues, mortgage insurance, points, and closing costs. EGX is a licensed real estate brokerage and is not a lender or a mortgage broker.
45 Days To Identify
180 To Close
Both deadlines run from the day the relinquished property closes, and neither extends absent disaster relief. Enter the close date, get the two dates, and write them to a calendar with reminders attached.
IRC §1031
What The Rebuild Costs
Against What Insurance Pays
Dwelling limits were set against pre-fire construction costs, so the gap is common and it is better known early than discovered at bid. Altadena, Pacific Palisades, and the wider county.
Stick-built against modular delivered cost, set beside an insurance settlement, so the capital gap is explicit rather than discovered late.
Planning estimates for comparison, not quotes. Cost per square foot moves with lot access, slope, foundation and site work, and how much of the prior structure can be reused. Excludes land, debris removal, permits, and soft costs. EGX is not a public adjuster and does not negotiate insurance claims.
Does Modular Work Here
Answer In Under A Minute
Zoning tools tell you how many homes a parcel allows. None of them tell you whether those homes can be built in a factory and craned into place, which is a different question with a different answer.
Five questions that decide whether modular is viable on a specific site. This is a screen, not a feasibility study, and it will tell you when the answer is no.
A preliminary screen based on the inputs given, not a feasibility study and not a quote. Crane access in particular has to be confirmed on the ground. Every project EGX recommends goes through a formal feasibility study first, and where modular does not pencil EGX builds conventionally or declines.
Every tool here is a preliminary screen based on the inputs given, not a feasibility study, an appraisal, a quote, or tax advice. Figures are planning estimates for comparison. EGX runs a formal study before recommending anything, and confirms site conditions on the ground.
Outgrows A Calculator
A tool returns a read. A study returns a decision. The EGX team takes it from there.