The "No-OpEx" Disruption

OverIT is acquiring 455 Glen Iris Dr NE to launch a unique "Experience Center" that powers three interlocking business lines. In a high-interest economy, we displace legacy vendors (DoorKing) by eliminating monthly fees, creating a recession-resilient revenue model.

Loan Request
$640,000
Acquisition & Imp.
Property Value
$800,000
Owner-Occupied
Annual Debt Svc
~$55,200
@ ~7.0% / 25yr
Min DSCR (Floor)
1.67x
Worst-case Scenario

Ability to Repay Analysis

Toggle scenarios to stress-test the business model against the debt service.

Total Contribution (Gross Profit)
$922,020

Combined revenue after COGS from all 3 lines.

Est. Net Operating Income (NOI)
$92,202

Conservatively estimated at 10% of Contribution.

Debt Service Coverage (DSCR)
1.67x

Target > 1.25x. (NOI / $55,200 Debt Svc)

Cash Flow vs. Debt Service Requirement

Revenue Source Diversification

Conservative Scenario Assumption: Based solely on minimum viable capacity of the Training Studio and Enablement services. Assumes ZERO revenue from large Retail rollouts or Multi-family retrofits to demonstrate the "Floor" safety net.

Three Synergistic Business Lines

The property acts as the central hub (Experience Center) that supports three distinct but related revenue streams. This ecosystem design ensures that a slowdown in one sector (e.g., Construction) is offset by demand in another (e.g., Cost-cutting Retrofits).

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1. National Training Studio

The Glen Iris property serves as a certified training facility for Ubiquiti installers.

  • High-margin tuition revenue.
  • Feeds the "Installer Network" for other business lines.
  • Covers base property OPEX entirely.
Role: The "Safety Net"
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2. The "DoorKing Killer"

Replacing legacy telephone-entry systems in Condos/HOAs with subscription-free UniFi Access.

  • Counter-Cyclical: Sells well in recessions (cuts costs).
  • High demand from frustrated HOAs.
  • Project Enablement fees per door.
Role: The "Growth Engine"
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3. Retail Modernization

Standardized network rollouts for multi-location retail brands (10-50 locations).

  • Scalable 15% uplift model.
  • Leverages MSP partners for labor.
  • Experience Center builds trust for large contracts.
Role: The "Scale Play"

Why the "DoorKing Killer" Works

In a recession, HOAs panic about monthly fees. We offer a Capital Expenditure (CapEx) solution that eliminates the Operating Expense (OpEx) of phone lines and cellular contracts.

Legacy (DoorKing) 3-Yr Cost $18,018
Modern (UniFi) 3-Yr Cost $4,196
Client Savings 77%
The Tipping Point

The hardware pays for itself in just 16 Months purely from cancelled phone/subscription bills.

Cumulative Cost Comparison (3 Years)

Risk Assessment & Collateral

Risk Mitigation Factors

S

Recession Resilience

Our "No Subscription" pitch becomes 2x more effective as interest rates rise and clients cut monthly costs.

S

Diversified Revenue

Training revenue provides a stable floor that covers debt service, independent of hardware sales cycles.

W

Hardware Dependency

Reliance on Ubiquiti supply chain. Mitigation: Supply chain issues (2021-23) are resolved; we hold buffer stock.

Use of Funds & Collateral

Category Amount
Real Estate Acquisition $640,000
Leasehold Improvements $50,000
Equip. & Working Capital $110,000
Total Project Cost $800,000
Collateral: First position lien on 455 Glen Iris Dr NE. Mixed-use office in high-demand Atlanta corridor.