Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Did They Forget Your $90,000 Down Payment? WATCH NOW! #shorts

3 Aug 2026 · 1 min

Watch on YouTube

0:38

In this YouTube short, Tommy Dobczyk and a colleague review a financial model that appears to have omitted a $90,000 down payment from its final projections. They walk through the payment schedule, noting that the monthly payment amount only shifts by $200 as the term shortens from 38 to 36 to 34 months, with payments ranging between $3,500 and $4,000. They calculate that the project would generate roughly $54,000 in revenue before expenses, but the missing down payment could materially affect the economics. The discussion underscores the importance of letting the numbers guide decisions and highlights the need to correct the model to include the down payment.

I don't think it's taken into account the $90,000. So keep going down. We'll see. I don't think it is. It's not. Okay. Keep going. So the payment, the payment adjusts only by $200. Basically it goes from 38 to 36 to 34, right? The payment for them is anywhere between $3,500 and $4,000, right? And then we're making $54,000 and we're covering on that, but no expenses, right? Keep going down.
This is where we always say, do the numbers and the numbers tell you what to do. So that's why I'm running through the numbers so that we can see this.
Go all the way down there. Hit the talk button. I noticed in the economics that you didn't include the $90,000 down payment into the final projections.