Sam Gorman

Find break-even units, sales dollars, contribution margin, profit at expected units, and a price-cost sensitivity table.

Forecast 13 weeks of business cash using starting cash, weekly money in and out, one-time invoices, bills, and a safety target.

Estimate 2024 federal capital gains tax for multiple sales, with short-term, long-term, and optional NIIT breakdowns.

Estimate 401(k) loan payment, total repayment, growth gap, and optional job-change rollover deadline risk.

Compare Roth, Traditional, and mixed 401(k) contributions by after-tax retirement wealth and break-even tax rate.

Compare two business line of credit offers by APR, fees, draw period, and repayment term to estimate interest, fees, and cost gap.

Estimate multifamily mortgage payment, NOI, DSCR, cash flow, supportable loan amount, and max price from rent and expenses.

Find the occupancy needed to cover costs and test a 12-month short-term rental plan for annual profit and cash reserve needs.

Estimate rental refi cash flow, debt coverage, payment savings, break-even months, and net cash from closing.

Calculate a gross price-to-rent ratio, then adjust for vacancy, taxes, insurance, HOA fees, and maintenance costs.