This session will dive into developing a retrofit work scope for multifamily projects at different scales – Business as Usual, Deep Energy Retrofit, Passive House, and Net Zero. Each project examines the work scope from a bank and owner’s point of view, going beyond the energy savings.  We will discuss how the work scope was developed and then answer the following questions: What does a bank think about when underwriting to savings? What motivates the owner/developer to move forward with an energy retrofit project? What are the key factors that make the project work? We have 3 theoretical case studies throughout New York. The results are intriguing!