Contractor-Informed Property Condition Assessments (PCA)

Built on Real-World General Contracting Experience

A baseline of the building's physical condition, an itemized cost-to-cure table and a 10-year capital reserve forecast, written for buyers, SBA 504 and 7(a) lenders and investment committees, and delivered in 3 to 5 business days.

Call (561) 757-7126 Request a Proposal Download Sample PCA Report

10+ Years Commercial Construction Experience
Itemized Contractor-Grade Cost Estimates
3–5 Business Day Guaranteed Delivery

Commercial warehouse of the type covered by a Property Condition Assessment

Commercial shell space with new ductwork and sprinkler lines

What the report contains

An executive summary with condition ratings by system; an immediate-needs table (0 to 12 months) and a short-term table (1 to 2 years), both with line-item quantities and unit costs; a 10-year replacement reserve schedule by year; and a numbered photo log tied to each finding. You can download a sample below.

Illustration: exterior conduit pulled from its anchor, a typical PCA finding

Why the numbers are different

Most reports give a range from a national cost book. Ours are built the way a South Florida general contractor would bid the work: quantity, unit cost, access and equipment. That makes them usable in a price negotiation and defensible in a credit file.

What we check

Acquisitions

Delivered inside the inspection period
Findings priced as a credit or reduction
Immediate vs. short-term cost split
10-year reserve schedule

SBA 504 and 7(a) lenders

Collateral condition documented
Capital needs over the early loan years
Photo-referenced findings
Report the file can rely on

Institutional and portfolio buyers

Same rating scale on every asset
Comparable reserve tables
Portfolio-wide cost roll-up
Consistent report format

Photos in this section are illustrative of typical conditions, not client properties.

Built on real-world general contracting experience. Founder Richard Carfagna owned and operated a commercial general contracting firm in Palm Beach and Broward for more than ten years, building out retail, warehouse and office space. The cost figures in your report come from that background. Asset Inspection Group provides inspection and consulting only: we do not perform or sell repair work.

Four details, and you have a proposal.

Tell us the property type, approximate size, location and your deadline. You get a fixed fee and a delivery date back within one business day.

10+ Years Commercial Construction Experience
Itemized Contractor-Grade Cost Estimates
3–5 Business Day Guaranteed Delivery

inspections@assetinspectgroup.com
2234 North Federal Hwy, Suite 1804, Boca Raton, FL 33431

Common questions

What is a Property Condition Assessment (PCA)?

A PCA is a visual, non-invasive walk-through survey of a commercial property that documents the physical condition of the site, structure, envelope, roofing and mechanical, electrical and plumbing systems, and estimates the cost of immediate repairs and future capital replacements.

How much do repairs have to cost to show up in a PCA?

We list every material deficiency we observe. Items are grouped into immediate needs, short-term needs and the 10-year reserve schedule, with routine maintenance noted separately so normal wear is not mistaken for a reason to walk away.

How fast do I get my report?

We understand commercial due diligence deadlines. We deliver your full written report within 3 to 5 business days of our physical on-site walk-through. If your completed report is not delivered within 5 business days, we credit $250 toward your final invoice.

Will an SBA lender accept your report?

Lenders set their own requirements, so confirm with your loan officer before ordering. The report documents condition, immediate repairs and a capital reserve forecast, which is the information SBA 504 and 7(a) lenders typically ask a borrower to provide.

Are you engineers, and do you do 40-year or milestone recertifications?

No. We are inspectors with a commercial general contracting background, not engineers or architects. We do not perform 40-year recertifications, Florida milestone inspections, SIRS reserve studies or sealed engineering reports; those require a licensed engineer or architect, and we will tell you when one is needed. We specialize in inspections, not recertifications.