loan-sizing-engine

To calculate the maximum CRE loan amount, normalize trailing-12 month cash flow into lender-underwritten NCF and size the loan against DSCR, LTV, and debt yield constraints. The engine identifies the binding constraint to deliver the final maximum proceeds.

Multi-constraint sizing simultaneously applies DSCR, LTV, and debt yield limits to determine maximum loan proceeds. The engine calculates proceeds under each constraint, identifies the binding constraint yielding the lowest value, and reports all three values for underwriting transparency.

NCF normalization converts NOI into lender-underwritten Net Cash Flow by deducting required reserves and applying floors. This adjusts trailing-12 month cash flow to match lender standards before applying DSCR, LTV, and debt yield constraints for loan sizing.

Yes, the engine sizes CRE loans across common execution types including agency MF, CMBS, bank, bridge, and life company. It applies the appropriate DSCR, LTV, and debt yield constraints for each execution type and reports the binding constraint.

The engine generates rate sensitivity scenarios by testing loan sizing against varying interest rates. It reports debt service constants, dynamic sizing scenarios, and risk flags so underwriters can assess how rate changes impact maximum proceeds and the binding constraint.

The engine reports risk indicators including the binding constraint, rate sensitivity, reserve schedules, and debt service constants. These analytics are delivered in a reproducible, auditable format to support underwriting decisions and risk management.