🏦 Mall of Zimbabwe: Financial Digital Twin

A Level 2 Strategic Feasibility Engine for Commercial Real Estate Development.

"Real Estate isn't about bricks; it's about the cost of capital."

📋 Executive Summary

This application serves as a Pre-Construction Financial Twin for the proposed $180M "Mall of Zimbabwe" development. It allows Investment Committees and CFOs to stress-test the project's economic viability before a single brick is laid.

Unlike static Excel spreadsheets, this Python-based model features a Dynamic Debt Engine, allowing users to simulate the impact of bank leverage (LTV), interest rate volatility, and inflation on Equity Returns (IRR).

---

🚀 Key Features

1. Leveraged Returns Analysis (The "Bank" Model)

The tool calculates Equity IRR (Leveraged) vs. Project IRR (Unleveraged), demonstrating how debt structuring impacts investor yields.

Fig 1: The "Developer's Dream" scenario (50% LTV, 11% Interest) showing 21.10% Returns and an 8-Year Payback.

2. Risk Sensitivity Heatmaps

Visualizes the "Kill Zone"—the specific combination of Construction Cost Overruns and Rental Market Compression that turns the project negative.

Fig 2: Green zones indicate viability; Red zones indicate capital destruction.

3. Automated Investment Memorandums

Generates a board-ready PDF report in milliseconds. The system acts as a "Robot Analyst," interpreting the data to write dynamic commentary (e.g., "STRONG BUY" vs. "RESTRUCTURE DEBT") based on the simulation results.

Executive Verdict	Cash Flow Analysis
Fig 3: Automated Verdict generation.	Fig 4: Dynamic waterfall charts inside PDF.

---

🚧 Production Roadmap (Gap Analysis)

This tool is designed for Stage 1 Strategic Screening. To scale this into a "Stage 2 Operational Tool" for the Finance Department, the following modules would be integrated:

Gap	Current Model (Screening)	Production Reality (ERP Integration)
1. The Revenue Gap	Uses a blended Avg Rent ($25/sqm) slider.	Requires a Tenancy Schedule ingestion engine to handle split-roll tenants (Anchors @ $12/sqm vs. Line Shops @ $35/sqm) and turnover clauses.
2. The Cost Gap	Uses a global Total Capex ($180M) figure.	Must link to the Quantity Surveyor's Bill of Quantities (BoQ) to track thousands of line items (Civil Works, Steel, Electrical) against budget.
3. The Fiscal Gap	Calculates raw NOI.	Needs a ZIMRA Tax Module to handle Corporate Tax (~24.72%), VAT (15%), and Capital Allowances for Special Economic Zone status.
4. The Cash Flow Gap	Assumes smooth Lump Sum funding.	Requires an "S-Curve" Drawdown Schedule to calculate Interest During Construction (IDC) based on monthly utilization rather than total facility size.

---

🧪 Stress Testing Scenarios

The model successfully identifies "Toxic Debt" scenarios. Below is a simulation of a high-inflation environment (16% Interest Rate) combined with high leverage.

Fig 5: The "Interest Rate Trap." Note how the Cumulative Wealth line (Blue) fails to break even until Year 11.

---

💻 Installation & Usage

1. Clone the repository:

   git clone [https://github.com/stilhere4huniid/Mall-of-Zimbabwe-Financial-Twin.git](https://github.com/stilhere4huniid/Mall-of-Zimbabwe-Financial-Twin.git)

2. Install dependencies:

   pip install -r requirements.txt

3. Launch the Digital Twin:

   streamlit run app.py

---

📂 Project Structure

Mall-of-Zimbabwe-Financial-Twin/
│
├── assets/                          # 📸 Images for README & Report
│   ├── dashboard_optimal.png        
│   ├── dashboard_stress.png         
│   ├── risk_heatmap.png             
│   ├── report_page_1.png            
│   └── report_page_2.png            
│
├── app.py                           # 🧠 Main Streamlit Dashboard
├── financial_model.py               # 🧮 Core Financial Logic (DCF/IRR)
├── report_generator.py              # 📄 PDF Reporting Engine
├── requirements.txt                 # 📦 Project Dependencies
│
├── README.md                        # 📖 Project Overview
├── DOCUMENTATION.md                 # 📘 Technical Guide
├── METHODOLOGY.md                   # 🧮 Financial Theory & Assumptions
├── DISCLAIMER.md                    # ⚠️ Legal Disclaimer
└── LICENSE                          # ⚖️ MIT License

---

⚠️ DISCLAIMER

This is an independent Data Science portfolio project created strictly for educational and demonstration purposes.

I am not affiliated with WestProp Holdings. All financial figures, rental assumptions, and construction estimates are hypothetical simulations used to demonstrate financial modeling capabilities. This tool does not constitute professional investment advice, and the creator assumes no liability for decisions made based on its outputs.

---

👤 Contact

Adonis Chiruka

• Data Science & Financial Modeling
• 📧 Email: stillhere4hunnid@gmail.com
• 🔗 LinkedIn: Adonis Chiruka
• 🐙 GitHub: stilhere4huniid