01 / UNDERWRITING
Acquisition Underwriting
Price, income, expenses, debt, returns, and exit — modeled with the sensitivities that show where the deal really stands.
Maria Angelica Baldres
Real Estate Analyst · Data & Business Intelligence
Real estate opportunities andperformance, viewed throughfinance and data.
I help investors, operators, and real estate teams evaluate opportunities, understand performance, and improve reporting through property analysis, financial modeling, market research, and business intelligence. The work turns complex information into clear, structured findings that can be reviewed, challenged, and acted on.
Acquisition AnalysisScreening, underwriting, returns, debt, and downside
Financial ModelingCash flow, scenarios, sensitivities, and model review
Market IntelligenceComps, location, demand, access, and risk
Data & BI SystemsDashboards, performance reporting, and automation
What the work is really for
Clearer information. Better-supported decisions.
Whether the work involves a deal, a model, a market, a portfolio, or a reporting system, the purpose is the same: organize the information, identify what matters, surface risks and performance drivers, and make the next decision or action clearer.
Example output · underwriting summary
Illustrative
Stonehaven Apartments
Levered IRR
0.0%
Equity Multiple
0.0×
Going-in Cap
0.0%
Stabilized DSCR
0.00×
Purchase Price
$0.0M
Avg. Cash-on-Cash
0.0%
Illustrative output — shown to demonstrate deliverable format, not a live offering.
What the analysis clarifies
Every engagement is built to answer six practical questions.
- What decision or problem needs to be addressed?
- What does the available data actually show?
- Which assumptions, metrics, or trends drive the outcome?
- Where are the risks, gaps, or performance issues?
- What needs to be verified, improved, or monitored?
- What action does the evidence support?
Expertise
Analysis built around the decision — not the software.
A practical combination of real estate analysis, financial judgment, data skills, and systems thinking.
Areas of Expertise
The real estate and analytical disciplines I bring together to evaluate opportunities, understand performance, and support better decisions.
02 / MODELING
Financial Modeling
Structured, auditable models for acquisitions, development, debt, and operations, with every figure traceable to its source.
03 / MARKET
Market & Location Research
Comps, demographics, access, supply, and demand translated into evidence that confirms — or challenges — the story.
04 / PERFORMANCE
Portfolio & Asset Analytics
NOI, occupancy, rent, expenses, variance, and coverage tracked across properties so performance does not drift unnoticed.
05 / STRATEGY
Scenario & Sensitivity Analysis
Stress the assumptions, compare alternatives, and identify the breakpoints where the investment answer changes.
06 / REPORTING
Decision-Ready Reporting
Complex analysis distilled into a clear summary, dashboard, or memo for owners, investors, partners, and teams.
Skills
Core capabilities used across deal analysis, ongoing performance work, and client-facing decision support.
Financial Analysis
Cash flow analysis · Pro forma development · Returns analysis · Debt sizing · Valuation · Variance analysis
Real Estate Analysis
Underwriting · Due diligence support · Rent and sales comps · Market research · Location analysis · Portfolio review
Data & Reporting
Data cleaning · KPI design · Dashboard development · Management reporting · Scenario modeling · Executive summaries
Tools & Technology
The platforms I use to build models, analyze data, automate workflows, and produce clear, decision-ready outputs.
Real Estate Modeling & Underwriting
Data BI & Analytics
BI & visualization
Databases & infrastructure
Market Location & Deal Intelligence
CRE data comps & market intelligence
Maps GIS & spatial
AI & Automation
Generative AI & research
ML & AI development
Automation & workflow
Tool & Product Development
Real Estate Operations Deals & Business
Documents project & collaboration
Experience
Finance, data, and operations applied to real estate decisions.
Eight years of experience spanning financial reporting, market research, business operations, data management, and real estate investment analysis.
Operations Analyst & Executive VA
- Built automated financial reporting systems for multiple retail branches, including dynamic profit-and-loss statements that update as new data is entered—eliminating more than seven hours of manual bookkeeping each month and improving financial accuracy.
- Conducted market research, financial data processing, and content analysis to transform business information into organized, decision-ready insights for planning and performance evaluation.
- Managed databases, data collection, and executive workflows across multiple client engagements, strengthening information accuracy, operational coordination, and day-to-day decision support.
Co-owner and Business Analyst
- Screen more than 20 prospective houses across at least three target locations and narrow each search to the three strongest candidates—reducing the properties requiring full due diligence by at least 85% and focusing acquisition resources on the highest-potential opportunities.
- Analyze rental demand and develop three prospective tenant profiles, prioritizing the two strongest segments to guide property requirements, pricing, positioning, and marketing while reducing the risk of acquiring a property with weak tenant demand.
- Build investment-screening models and advance only properties projected to achieve at least 90% long-term occupancy or 70% short-term occupancy, positive monthly cash flow, and a minimum 6% net yield—filtering out financially weak opportunities before capital is committed.
Business Operations Analyst
HIRAYA WI-FI CONNECTION SERVICE
- Built customer analytics dashboards and conducted market-penetration analysis, identifying that reseller partnerships could reach approximately four times more consumers than direct sales and support a more scalable distribution strategy.
- Applied cost-benefit and margin analysis to evaluate network providers, supporting a switch from Cignal to Starlink that increased profit margins from approximately 15–20% to 40%.
- Developed demand-forecasting models for a five-tier pricing structure, using customer purchasing patterns to maintain high-demand inventory, reduce slow-moving stock, improve cash flow, and minimize tied-up capital.
Educator
COURSE HERO
- Analyzed more than 500 student assignments across business, mathematics, and project management, identifying recurring errors, knowledge gaps, and areas requiring targeted support.
- Developed clear, structured explanations that translated quantitative and business concepts into practical, easy-to-understand guidance for an international student audience.
Sales Associate
LOCAL RETAIL & WHOLESALE STORE
- Built and maintained an inventory database tracking more than 500 SKUs, using stock levels and demand patterns to reduce stockouts and maintain the availability of high-demand products.
- Processed and reconciled daily cash and credit transactions, maintaining 100% balance accuracy and identifying payment discrepancies within 24-hour reporting cycles.
- Analyzed purchasing behavior across more than 50 daily transactions, generating product-pairing and demand insights that informed product placement, purchasing decisions, and seasonal inventory planning.
About
Analytical discipline, grounded in practical business experience.
I’m Angelica, a Real Estate Analyst working across property analysis, financial reporting, market research, and business intelligence. I organize property, market, financial, and operational data into structured models, reporting systems, and clear findings that help evaluate opportunities and understand performance.
A background in financial management, business operations, and data analysis allows me to connect technical detail with commercial context, clarifying not only what the numbers show but what they mean for the decision at hand.
Core toolsExcel · Sheets · Python · Tableau
Work styleStructured, documented, decision-focused
Professional focusReal estate analysis · Financial analysis · Data & BI
EngagementsProject-based or ongoing support
BasedPhilippines · works with international clients
Areas of analysisAcquisition · Market · Property performance
Selected Work
Real estate, finance, and data — brought together through applied work..
A collection of platforms, analytical projects, and case studies.
Featured Platform
Real Estate Case Studies
Watershed
244 Properties · Short-Term Rental Strategy
A 244-property short-term rental expansion analysis — normalized rent modeling, nightly-rate optimization, and property-level cash flow feeding a disciplined capital-allocation call, with an interactive Tableau sensitivity dashboard.
Mamba Realty
50,000 SF · Philadelphia, PA · Retail Center
An interactive ten-year acquisition pro forma for a 50,000 SF Philadelphia retail center — levered and unlevered returns, credit metrics, and a live rent-growth / exit-cap sensitivity matrix.
Curry Capital
85,000 SF · San Francisco, CA · Office Build
An interactive monthly development pro forma for an 85,000 SF San Francisco build-to-suit — construction financing, refinance cash-out, and levered / unlevered returns in a live, editable model.
Business Analytics & Finance
SRG Financial & Operational Control Analysis
Retail Operator · Financial Reconstruction
Reconstructed full financial statements from 153,000+ raw transactions for a multi-stream retail business — uncovering $22,415 in shrinkage and delivering a data-driven expand-or-sell recommendation backed by a 2.65× DSCR.
Business Intelligence Reporting System
Analytics Engineering · Report Automation
A modular Python/Jupyter pipeline that automates business review reporting from fragmented data sources — turning newsletter, sales, and website analytics into executive-ready weekly, monthly, and quarterly reports.
Education
Academic foundations in finance and business.
Formal training in financial management, accounting, economics, and business strategy supports the analytical work presented throughout this portfolio.
Bachelor of Science in Business Administration
Relevant Coursework
- Financial Analysis & Reporting
- Investment & Portfolio Management
- Capital Market
- Treasury Management
- Operations Management (TQM)
- Strategic Management
- Income Taxation
- Monetary Policy & Central Banking
- Entrepreneurial Management
- Applied Economics
Credentials
Continued learning across real estate, finance, and data.
Credentials across real estate, finance, data analytics, technology, and business.
Featured Credentials
Break Into CRE Analyst Certified
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‹ Verify credential ›Commercial Real Estate Modeling
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Real Estate & CRE 4 credentials
Real Estate Development: Building Value in Your Community
‹ Verify credential ›Real Estate Property Management
‹ Verify credential ›Urban Land Economics and Real Estate Market Dynamics
‹ Verify credential ›Real Estate Financial Modeling
‹ Verify credential ›Finance Investment & Accounting 6 credentials
Land, Agriculture, and Alternative Investing
‹ Verify credential ›Credit Analysis and Risk Modeling
‹ Verify credential ›Finance & Quantitative Modeling for Analysts
‹ Verify credential ›Corporate Finance Essentials
‹ Verify credential ›Formal Financial Accounting
‹ Verify credential ›Financial Markets
‹ Verify credential ›AI & Data Science 6 credentials
Python: Master House Price Prediction with Linear Regression
‹ Verify credential ›Deep Learning for Real Estate Price Prediction
‹ Verify credential ›Generative AI for Data Analysts
‹ Verify credential ›Applied Data Science
‹ Verify credential ›Data Science Fundamentals with Python and SQL
‹ Verify credential ›IBM Data Science
‹ Verify credential ›Data Analytics & Business Intelligence 11 credentials
Excel to MySQL: Analytic Techniques for Business
‹ Verify credential ›Unilever Supply Chain Data Analyst
‹ Verify credential ›IBM Business Intelligence (BI) Analyst
‹ Verify credential ›IBM Data Management
‹ Verify credential ›IBM Business Analyst
‹ Verify credential ›Business Analytics with Excel: Elementary to Advanced
‹ Verify credential ›Meta Data Analyst
‹ Verify credential ›Tableau Business Intelligence Analyst
‹ Verify credential ›Google Data Analytics
‹ Verify credential ›Microsoft Power BI Data Analyst
‹ Verify credential ›Google Business Intelligence
‹ Verify credential ›Programming & Automation 2 credentials
Google IT Automation with Python
‹ Verify credential ›Python for Everybody
‹ Verify credential ›Project Management & Leadership 2 credentials
Google Project Management
‹ Verify credential ›ICPM Certified Supervisor
‹ Verify credential ›Business Economics & Strategy 3 credentials
Firm Level Economics: Consumer and Producer Behavior
‹ Verify credential ›Digital Transformation
‹ Verify credential ›Understanding the Australian economy: An introduction to macroeconomic and financial policies
‹ Verify credential ›Digital Badges
Credly badges
Click any badge to verify it directly on Credly.
Applied Data Science Capstone
Data Analyst Capstone Project
Data Management Professional Certificate (V2)
IBM Business Intelligence (BI) Analyst Professional Certificate (V3)
IBM Data Analyst Professional Certificate (V3)
IBM Data Science Professional Certificate (V3)
AI Foundations for Everyone Specialization
Applied Data Science Specialization (V3)
Data Analysis with Python
Data Science Fundamentals Specialization (V3)
Data Visualization with Python
Excel Essentials for Data Analytics
Generative AI Essentials for Data Analytics
Generative AI Essentials for Data Science
Generative AI for Data Analysts Specialization
Generative AI for Data Scientists Specialization
Introduction to Data Science Specialization (V2)
Machine Learning with Python (V2)
Python for Data Science and AI
Business Intelligence Essentials
Data Analysis & Visualization Foundations Specialization (V3)
Data Analytics Essentials
Data Engineering Essentials
Fundamentals of Business Analysis
Meta Data Analyst Professional Certificate
Microsoft 365 Fundamentals Specialization(v.1)
Project Management Essentials
Statistics for Data Science with Python
Google Advanced Data Analytics Certificate
Google AI Essentials V1
Google Business Intelligence Certificate
Google Data Analytics Professional Certificate (v2)
Google Digital Marketing and E-Commerce Professional Certificate
Google IT Automation with Python Professional Certificate
Google Project Management Professional Certificate (v2)
Google Prompting Essentials
Google/University of Illinois' Gies College of Business Dual Credential
Services
Focused analytical support for the work at hand.
Engagements can cover a property or portfolio, a defined modeling or reporting project, or ongoing analytical support for a real estate team.
01 / DEALS
Acquisition Underwriting
Evaluation of purchase assumptions, property operations, debt, returns, exit, and downside exposure.
02 / MODELS
Financial Modeling & Model Review
New models, model rebuilds, assumption audits, formula checks, scenario design, and decision-ready summaries.
03 / RESEARCH
Market & Location Analysis
Comparable evidence, demographics, supply and demand, access, risks, and market context for an investment thesis.
04 / PERFORMANCE
Portfolio & Asset Analytics
Operating performance, NOI, occupancy, rent, expense, variance, and portfolio-level KPI analysis.
05 / REPORTING
Dashboards & Performance Reporting
Management dashboards, executive summaries, investment memos, and clear reporting for owners, partners, and internal teams.
06 / SYSTEMS
Analytical Systems & Automation
Connected spreadsheets, trackers, workflow automations, and repeatable reporting systems that reduce manual work.
Typical engagement formats: fixed-scope project, model review, short-term analysis, or ongoing support.
FAQ
Before the work begins.
Practical answers about project fit, scope, fees, timelines, confidentiality, and how engagements are structured.
What types of projects are the best fit?
Projects involving acquisition underwriting, financial modeling, market and location research, property or portfolio performance analysis, dashboards, and analytical systems are the strongest fit. The work is most effective when there is a defined property, decision, dataset, or reporting need.
Can you work with an existing model or system?
Yes. I can review, rebuild, document, or extend existing Excel or Google Sheets models, dashboards, trackers, and reporting workflows. The scope depends on the condition of the existing file and what it needs to support.
How do you handle confidential information?
Property files, operating data, models, investor materials, and internal business information are treated as confidential. I can work under a client-provided NDA and follow your organization’s access and file-handling requirements.
What should I prepare for an introductory discussion?
A short overview of the property or business question, the decision you need to make, the desired timing, and a general description of any existing files or data. There is no need to send confidential materials before the scope and handling requirements are agreed.
Do you offer both project-based and ongoing support?
Yes. Work can be structured as a fixed-scope project, a short analytical sprint, or ongoing analytical support. The right arrangement depends on the scope, volume of work, expected turnaround, and whether support is needed once or on a recurring basis.
How are scope, fees, and timelines determined?
Scope, fees, and timelines depend on the project’s requirements, complexity, available information, and desired turnaround. If there is a mutual fit and both parties decide to proceed, the agreed deliverables and terms are documented before any analytical work begins.
Work with me
Have a property, a model, or a decision that needs a second set of eyes?
Schedule a brief introductory call or send an email to discuss your project, timeline, and whether the engagement is a good fit. Scope, deliverables, and fees are agreed before any analytical work begins.