Fractional CFO Services for Real Estate

Think of it as a senior finance lead you share with other companies. For a real estate business we build the forecasts, set the budget, design the monthly reporting, keep an eye on debt covenants and reserves, and help you decide when to buy, refinance, renovate or hold. You get the judgment of a CFO a few days a month instead of a full time salary and benefits package.

Your bookkeeper records rent, expenses and loan payments. Your tax preparer turns that into a return. A fractional CFO looks forward: what will cash look like in six months, can this property support the new loan, what happens to returns if vacancy rises. All three roles matter, and a good CFO makes the other two more useful by setting up the chart of accounts and reports so the data answers real questions.

Common signs: you have several properties or LLCs and no consolidated view, a lender is asking for reports you can't produce quickly, you're planning an acquisition or a refinance, or you learn about cash shortfalls when they happen instead of ahead of time. Growth, a new partner or a change in accounting software are also good moments to bring one in.

At a minimum: an income statement and NOI by property, a consolidated cash position, budget versus actual with notes on the big variances, a rent roll and occupancy summary, and a rolling cash forecast that includes debt service and planned capital spending. The exact package depends on your portfolio and your lenders, and we design it so it's read, not just filed.

That's usually where we start. We combine your current balances with expected rents, operating costs, loan payments, tax payments and planned improvements into a 13 week view and a longer annual forecast. Seeing a shortfall two months out gives you options, like timing a capital project or drawing on a line of credit, that you don't have when it's already here.

Yes. We build the budget from the property up: rents and vacancy assumptions, repairs and maintenance, insurance and property taxes, management fees, payroll, debt service and capital reserves. Then we review it against actual results every month and adjust when conditions change. A budget nobody checks isn't much use, so the monthly review is part of the work.

Because the founder is also an IRS Enrolled Agent, tax isn't an afterthought. Depreciation, the timing of sales and exchanges, entity structure and estimated payments get discussed when the decision is made, not after the year closes. And if an older tax problem is hanging over the business, such as an IRS balance or unfiled returns, we can handle the resolution too.

Begin with a conversation about what you own, how it's structured, how reporting works today and what decisions are coming up. From there we propose a scope, whether that's a monthly reporting and forecasting arrangement or a focused project around a refinance or acquisition. No long sales process.