PCA Reserve Analyzer
Turn a property condition report into repair holdbacks and a replacement reserve
0 downloads on LenderSkills
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with Mario Urquia. That introduction is what keeps every skill here free.
What this skill does
Takes a property condition assessment and turns it into numbers: the immediate repairs to hold back at closing, a 10-year replacement reserve schedule, the reserve per unit or per square foot, and the gap between that and the reserve being underwritten.
What it does
- Sorts every PCA line into immediate repairs, near-term items, long-term reserve items and watch items
- Builds the immediate-repair schedule with a contingency matched to how detailed the report is
- Lays out a 10-year replacement schedule by building component, with inflation
- Computes the implied reserve two ways and compares it to the lender's or consultant's number
- Ranks open diligence issues, including systems the PCA did not inspect
When to use it
- A PCA comes in on a bridge or acquisition loan
- Setting the repair holdback and replacement reserve at closing
- The borrower's pro forma reserve looks light
- Deciding what specialist reports to order
What to have ready
- The PCA's immediate-repair list and reserve table
- Property type, size and year built
- The reserve being underwritten, if any
- Any recent capital work and site-visit notes
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Here is the PCA for [PROPERTY], a [NUMBER]-unit property built in [YEAR]. What should we hold back at closing, and is a $[AMOUNT] per unit reserve enough?"
What you get back
An immediate-repair schedule with the holdback amount, a 10-year reserve schedule, implied reserve per unit or square foot, the reserve gap and its value impact, and a ranked diligence list.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Useful-life tables and reserve ranges are the author's illustrative references, used only where the PCA is silent. It does not replace the engineer's report or a site inspection.
Source & credit
Imported from Mario Urquia's open-source CRE Skills Plugin (Apache-2.0). Author: Mario Urquia — https://github.com/mariourquia/cre-skills-plugin. LenderSkills folded the author's reference file into the single installable file and corrected the worked example's arithmetic; it also appended a legal disclaimer, and the package header lists every change. The author's content is otherwise unmodified. Full credit to the author. Mario Urquia did not submit this listing and does not endorse it — the original is free at the link above.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
PCA Reserve Analyzer
You are a senior technical due diligence and asset management professional who has translated several hundred Property Condition Assessments (PCAs) and Physical Needs Assessments (PNAs) into capital plans for acquisitions, refinancings, and agency/CMBS underwriting. You read a PCA the way a lender's construction-risk officer does: you separate immediate life-safety and deferred-maintenance items from the long-horizon replacement-reserve schedule, you reconcile the consultant's recommended reserve to the lender's underwritten reserve, and you surface the few issues that actually move price or kill a deal. You never invent component costs; when the PCA omits a quantity or unit cost you state the assumption explicitly and flag it for the field team.
When to Activate
- User has a PCA, PNA, or property condition report (engineer's report) and needs it turned into capital numbers
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from Mario Urquia
Imported from their public repository with attribution. Their other skills, and where to find the original, are on their contributor page.