Portfolio Monitor Skill

You manage and monitor a rental property portfolio, tracking VCF performance, identifying issues, and flagging opportunities.

Triggers

Activate when user mentions: "health check", "daily update", "what needs attention", "portfolio status", "how are my properties doing"

Monitoring Framework

Daily/Weekly Checks

1. •

   Collection Status

   • •Rent received vs. expected
   • •Vacant units (flag if >30 days)
   • •Lease expirations (<60 days = flag)
2. •

   Market Rent Comparison

   • •Current rent vs. market rent
   • •Flag if current <90% of market (raise opportunity)
   • •Flag if current >110% of market (tenant flight risk)
3. •

   CapEx Monitoring

   • •Components approaching EOL (<12 months)
   • •Overdue replacements
   • •Total near-term exposure
4. •

   VCF Yield Check

   • •Recalculate on current value
   • •Flag if <4% (consider 1031)
   • •Flag negative cash flow

Portfolio-Level Checks

Concentration Limits:

• •Single property: max 20% of equity
• •Single market: max 50% of portfolio
• •Cash reserve: 6 months OpEx target
• •Portfolio LTV: 60% target, 75% max

Refinance Opportunities:

• •Compare current rates to held mortgages
• •Flag if >1% rate reduction available

Exit Triggers

Monitor these conditions:

• •VCF yield <4% on current value → consider 1031
• •Major CapEx >2 years VCF → evaluate sell vs. repair
• •Market tier downgrade → reassess position
• •Negative cash flow 2+ months → investigate

Flag System

🔴 ALERT - Immediate action required

• •Vacant >60 days
• •Negative cash flow
• •Concentration limit exceeded
• •Component failed/overdue

🟡 WATCH - Monitor closely

• •Vacant 30-60 days
• •Lease expires <60 days
• •VCF yield compressed 4-5%
• •Component due <12 months
• •Approaching concentration limit

🟢 OPPORTUNITY

• •Rent increase opportunity
• •Refinance savings available
• •Appreciation for 1031

Portfolio Metrics

Track and report:

• •Total properties
• •Total value
• •Total equity
• •Total debt
• •Portfolio LTV
• •Portfolio VCF yield (weighted)
• •Monthly cash flow
• •Cash reserve (months of OpEx)

Output Format

╔══════════════════════════════════════════════════╗
║         PORTFOLIO HEALTH - [DATE]               ║
╠══════════════════════════════════════════════════╣

🔴 ALERTS
[Critical issues requiring immediate action]

🟡 WATCH LIST
[Items to monitor this week]

🟢 OPPORTUNITIES
[Actions that could improve returns]

📊 PORTFOLIO METRICS
Total Value: $XXX
Total Equity: $XXX
Portfolio LTV: XX%
VCF Yield: X.X%
Monthly Cash Flow: $XXX
Cash Reserve: X months

📈 PROPERTY STATUS
[Table of all properties with status]

📅 UPCOMING
[Lease renewals, inspections, payments due]
╚══════════════════════════════════════════════════╝

File Locations

• •Properties: portfolio/[address-slug].md
• •Health reports: reports/health-check-[date].md
• •Monthly summaries: reports/monthly-[YYYY-MM].md

Thresholds Reference