Pillar · Industrial

Industrial & Warehouse Underwriting

How to underwrite small-bay industrial, single-tenant NNN, and industrial outdoor storage (IOS) the honest way — true cap rate vs the broker cap, tenant rent coverage, and rent per acre. The guides, calculators, and definitions that matter, in one place.

Start here: the three industrial plays

Most non-institutional industrial deals fall into one of three shapes, and each is won or lost on a different number. Single-tenant NNN deals live and die on the tenant's rent coverage and on the gap between the broker cap and the true (post-cost) cap. Sale-leasebacks add a layer: the rent is set by negotiation, not the market, so you underwrite the tenant's credit and the rent-to-EBITDAR coverage before the real estate. Industrial outdoor storage (IOS) — covered-land plays on yard — is priced on rent per acre, not per square foot, and the cheap-improvements profile makes the land yield the whole story.

The honest-math trap

"NNN" rarely means zero landlord cost, and a headline cap rate almost never reflects what you keep. Insurance, management, a tax reassessment-gap, and sensible reserves all sit between the broker's NOI and yours. The worked examples below show exactly how much the headline moves once you net those out — the single most important adjustment in industrial underwriting.

NNN single-tenant: broker cap vs. true cap
Purchase price $5,000,000
Broker NOI (gross rent) $325,000
Broker (headline) cap rate 6.50%
– Landlord-side costs (insurance, mgmt, reserves) –$30,000
True NOI (post-cost) $295,000
What you actually earn True cap 5.90% — the headline said 6.50%
A 60-basis-point gap on a deal you thought was a 6.5% cap. Pressure-test it in the NNN Lease Analyzer, and see broker-vs-true in the cap-rate tool.
IOS covered-land: rent per acre → value
Usable yard 5.0 acres
Rent $8,000 / acre / month
Gross annual rent (5.0 × $8,000 × 12) $480,000
– Landlord opex (taxes, insurance, mgmt ≈ 15%) –$72,000
NOI $408,000
Value = NOI ÷ cap ≈ $5,830,000 value at a 7.0% cap
IOS is priced on the yard, not the building. Run your own site in the IOS Land Yield calculator.

A manufacturer sells its facility and leases it back on a 10-year NNN. The headline cap rate looks market — the coverage is where you actually underwrite it.

Sale-Leaseback Rent Coverage: When a Clean Cap Rate Hides the Risk
Purchase price $10,000,000
Year-1 NNN rent $700,000
Going-in cap rate 7.0% ($700,000 ÷ $10,000,000)
Tenant trailing EBITDAR $980,000
Year-1 rent coverage 1.40x ($980,000 ÷ $700,000)
Annual rent escalator 3.0%

The 7.0% cap looks fine. But coverage of 1.40x sits below the institutional comfort floor of 1.5x–2.0x — the rent is rich relative to what the business earns. And with 3% escalators against flat EBITDAR, it erodes over the term:

Year NNN rent Coverage
1$700,0001.40x
5$787,8561.24x
10$913,3411.07x

By Year 10 the tenant earns barely more than its rent. The discipline: cap rate priced the deal; coverage underwrote it. A coverage-aware buyer either retrades to a rent the business can sustainably carry, or holds the rent and demands a corporate guaranty, deposit, and financial-reporting covenant to offset the erosion. Read the full sale-leaseback rent-coverage guide, and check the rent-coverage definition.

Rent coverage 1.40x in Year 1 → 1.07x by Year 10 — below the 1.5x–2.0x floor
See a sample underwriting report A complete, honestly-graded industrial report PDF — broker vs. true cap, full pro forma to cash-on-cash, and AI analysis. View the sample →

How are these numbers computed? See how UpsideIQ underwrites →

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Guides & teardowns

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How I Underwrote a $10.8M Industrial Sale-Leaseback — and Why Rent Coverage, Not the 7% Cap, Nearly Killed It

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How I Underwrote an IOS Yard — and Why Rent-Per-Acre and Zoning, Not the Cap Rate, Made the Call

A practitioner's teardown of an IOS land deal — why cap rate misframes a land asset and how rent-per-acre, land yield, and zoning reveal the real value.

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How to Underwrite an IOS Deal (Industrial Outdoor Storage)

A complete guide to underwriting industrial outdoor storage (IOS) — land-based rent per acre, broker vs true cap, covered-land optionality, and a worked example.

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How to Underwrite a Small Industrial Deal

A practical small-industrial underwriting playbook — single vs multi-tenant, NNN vs modified-gross, clear height, rollover and dark-period risk, broker vs true cap.

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