Alex Rivera
Editor-in-Chief · Real estate education & financial modeling
CFA Charterholder (lapsed in good standing) · MSc Finance
Biography
Alex leads the Estatewise editorial desk. A former financial analyst, they spend their days turning amortization tables and operating statements into plain English, and insisting every calculator on the platform can be checked by hand.
Published articles (6)
- Analyze a Rental Property in Seven Steps
A complete, repeatable walkthrough: from gathering honest inputs to a defensible NOI, cash flow and return picture, using the same sequence professionals use.
1 min · Investing & Returns
- Appreciation and Compound Growth: Modeling Scenarios Without Fooling Yourself
Value growth compounds, and so do wrong assumptions. Learn the math, why constant-rate growth is a fiction, and how to use scenarios honestly.
1 min · Investing & Returns
- LTV and Equity: The Ratio That Prices Your Borrowing
Loan-to-Value is the single number lenders anchor on. Learn how it moves over time, what CLTV adds, and how it shapes refinancing options.
1 min · Financing & Mortgages
- What Selling Really Costs: Computing Your Net Proceeds
The sale price is not your money. Agent commissions, transfer taxes, mortgage payoff and preparation costs all take a slice, model it before you list.
1 min · Buying & Selling
- Gross vs Net Rental Yield: Why the Gap Should Change Your Shortlist
Gross yield flatters expensive-to-run properties. Learn both formulas, why net is the fairer comparison, and how to sanity-check a listing in two minutes.
1 min · Investing & Returns
- What Is NOI? Net Operating Income Explained From First Principles
Net operating income is the engine of every income-property calculation. Learn what belongs in it, what must stay out, and how to compute it step by step.
2 min · Fundamentals