Institutional debt underwriting engines for real estate investors, mortgage brokers, and commercial borrowers to stress test debt service coverage and refinance cash-outs.
Calculate cash-out refi proceeds, maximum allowable loan amount based on 75% LTV, and stabilized DSCR coverage.
Stress test debt service coverage across low-season occupancy months to ensure compliance with 1.20x-1.25x DSCR requirements.
Model construction interest reserve, loan-to-cost (LTC), permanent take-out financing, and developer yield.
Model borrowing against portfolio collateral to delay capital gains taxes during early retirement drawdown phases.