debt-tool

Automate debt-structure modeling for CRE acquisitions with lender comparison grids.

1|Updated Mar 11, 2026
One-click install
npx skills add https://github.com/RA01279/ridge-intel --skill debt-tool
Or copy as Structured Prompt for Agent
Please help me install this Agent Skill.
Skill: debt-tool
Source: https://github.com/RA01279/ridge-intel/tree/main/debt-tool
Command: npx skills add https://github.com/RA01279/ridge-intel --skill debt-tool

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

DEBT TOOL automates the modeling, comparison, and stress-testing of debt structures for CRE acquisitions, turning complex capital stacks into actionable insights.

Core Features & Use Cases

  • Capital-stack modeling across multiple lender types to compare proceeds, equity, and risk.
  • DSCR-based sizing and stress testing to identify feasible debt and scenario outcomes.
  • Capital stack summaries for IC decks and project evaluations, including agency, CMBS, life company, bridge, and construction debt.

Quick Start

Provide the property purchase price and stabilized NOI to generate a debt comparison grid across lender types.

Frequently Asked Questions about debt-tool

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I model a capital stack and compare debt proceeds across lender types for a CRE acquisition?

Debt sizing for commercial real estate uses stabilized NOI and purchase price to calculate maximum loan proceeds. The tool applies LTV and DSCR constraints to determine feasible debt levels across various lender types like agency, CMBS, and life companies.

How does DSCR stress testing work for commercial real estate debt structures?

DSCR stress testing for CRE debt applies debt-service coverage ratio constraints to in-place and stabilized NOI. This identifies feasible debt amounts and scenario outcomes, revealing whether the capital stack survives cash flow disruptions across various lender types.

Can I compare agency, CMBS, and construction loan sizing within a single capital stack model?

Yes, you can compare agency, CMBS, and construction loan sizing within a single capital stack model. The tool generates a comparison grid evaluating LTV and DSCR constraints simultaneously across these lender types to output total proceeds and required equity.

What inputs are required to generate a debt comparison grid for a commercial real estate acquisition?

Generating a debt comparison grid requires inputs including Purchase Price, Stabilized NOI, In-Place NOI, Asset Type, and Hold Period. These inputs automate the debt-structure modeling and DSCR testing to output capital stack summaries for CRE acquisitions.

What is the best way to calculate equity requirements for different commercial real estate loan types?

The best way to calculate equity requirements for different commercial real estate loan types is to model the capital stack using LTV and DSCR constraints. Inputting the purchase price and stabilized NOI allows the tool to derive required equity across lender types.

When should I use bridge debt versus construction debt in a commercial real estate capital stack?

Bridge debt is used in a CRE capital stack for transitional assets needing stabilization, while construction debt finances ground-up development or heavy renovation. The tool models both, applying specific DSCR and LTV constraints to compare proceeds and equity impacts for your hold period.